Commercial Lender

Job Description

Job Description

Position Overview

Looking to hire a experienced Commercial Lender to join our team in Inver Grove Heights, Minnesota. The Commercial Lender will be responsible for developing and managing a high-quality portfolio of commercial real estate relationships, including business development, credit structuring, underwriting support, and ongoing portfolio management in alignment with our community bank culture and risk standards. We want someone with a book of business local to the area.

Responsibilities

• Proactively develop new commercial and commercial real estate relationships within our market through calling e????orts, networking, centers of influence, and community involvement.

• Build and maintain long-term relationships with business owners, real estate investors, and professional firms, serving as a trusted advisor on financing and banking needs.

• Interview prospective borrowers, gather financial information, and evaluate credit requests for working capital, equipment, owner-occupied and investor real estate, and other commercial purposes.

• Analyze financial statements, tax returns, rent rolls, and cash-flow projections; recommend appropriate loan structures, terms, and covenants consistent with bank policy and risk appetite.

• Prepare and present clear, well-supported credit recommendations in accordance with bank policies, procedures, and regulatory requirements.

• Work closely with credit administration and loan operations to ensure accurate documentation, timely closing, and proper booking of new and renewed loans.

• Monitor an assigned loan portfolio for credit quality, covenant compliance, maturities, renewals, and past due relationships; take proactive steps to address emerging credit issues.

• Cross-sell deposit, treasury/cash management, and other bank products to deepen relationships and improve profitability.

• Maintain current knowledge of applicable banking regulations, loan policy, underwriting standards, and documentation requirements.

Qualifications

• Bachelor's degree in Business, Finance, Accounting or related field, or equivalent banking experience.

• Typically 3-7 years of experience in commercial and/or commercial real estate lending, preferably in community bank setting. Senior-level candidates with greater experience are encouraged to apply.

• Demonstrated success in sourcing, underwriting, and managing a profitable commercial loan portfolio.

• Strong credit skills, including financial statement and tax return analysis, global cash-flow evaluation, collateral assessment, and risk rating methodology.

• Working knowledge of applicable federal and state lending regulations and commercial loan documentation.

• Proven ability to build relationships and generate business through calling, networking, and referral development.

• Excellent written and verbal communication skills; ability to prepare and present concise credit write-ups and recommendations.

• Proficiency with Microsoft Office (Excel, Word, Outlook) and common banking/loan systems.

Compensation and Benefits

• Competitive base salary commensurate with experience, plus performance-based incentives tied to portfolio growth, quality, and overall contribution.

• Comprehensive benefits package including health, dental, vision, life insurance, and retirement plan.

• Opportunities for professional development, credit training, and career advancement within a growing community bank.

Company Description

W3Global was established in 2006 in Fremont, CA with a vision: simplify the recruiting process and develop an industry-disrupting platform to connect candidates with clients. Our cutting-edge Applicant Tracking System enables us to find the right person for the right job, creating value for job seekers and employers. While W3Global initially focused on IT staffing, we have expanded the business to serve many other industries, including accounting and finance, legal, engineering, human resources, government and more.

We’re proud of the investments we’ve made in our team, having grown from four to 1000 employees and evolving into one of the leading recruitment and staffing solution providers in the industry. Our recruiters and account managers are passionate about connecting qualified professionals with the right positions in small, medium, and large companies.

Our Services
W3Global understands the natural ups and downs of an organization’s staffing needs. We are continuously adapting to industry and economic changes to find the right candidates.

We specialize in placing permanent, direct, contract, and temporary positions for companies of any size. Our recruiting services include sourcing, recruiting, screening, interview management, salary negotiations, training, and onboarding.

We are committed to helping organizations redefine their recruitment process by delivering our SaaS-based proprietary application tracking system software.

Our Expertise
W3Global has been delivering staffing solutions for nearly two decades; we know which recruiting strategies work best. Our expert team is committed to developing a customized solution to fit your company’s unique needs.

As a W3Global client, you’ll also receive personalized assistance from a seasoned team of staffing specialists. We are committed to providing both technical support and industry expertise to simplify the hiring process. We know that your time matters. W3Global will help you streamline the hiring process, getting it done and getting it right.

Company Description

W3Global was established in 2006 in Fremont, CA with a vision: simplify the recruiting process and develop an industry-disrupting platform to connect candidates with clients. Our cutting-edge Applicant Tracking System enables us to find the right person for the right job, creating value for job seekers and employers. While W3Global initially focused on IT staffing, we have expanded the business to serve many other industries, including accounting and finance, legal, engineering, human resources, government and more.\r\n\r\nWe’re proud of the investments we’ve made in our team, having grown from four to 1000 employees and evolving into one of the leading recruitment and staffing solution providers in the industry. Our recruiters and account managers are passionate about connecting qualified professionals with the right positions in small, medium, and large companies.\r\n\r\nOur Services\r\nW3Global understands the natural ups and downs of an organization’s staffing needs. We are continuously adapting to industry and economic changes to find the right candidates.\r\n\r\nWe specialize in placing permanent, direct, contract, and temporary positions for companies of any size. Our recruiting services include sourcing, recruiting, screening, interview management, salary negotiations, training, and onboarding.\r\n\r\nWe are committed to helping organizations redefine their recruitment process by delivering our SaaS-based proprietary application tracking system software.\r\n\r\nOur Expertise\r\nW3Global has been delivering staffing solutions for nearly two decades; we know which recruiting strategies work best. Our expert team is committed to developing a customized solution to fit your company’s unique needs.\r\n\r\nAs a W3Global client, you’ll also receive personalized assistance from a seasoned team of staffing specialists. We are committed to providing both technical support and industry expertise to simplify the hiring process. We know that your time matters. W3Global will help you streamline the hiring process, getting it done and getting it right.