Commercial Loan Officer

Job Description

Commercial Loan Officer

Build relationships. Grow your portfolio. Make a local impact.


An established community bank serving Southwest Michigan is seeking an experienced Commercial Loan Officer in St. Joseph, Michigan . This opportunity is ideal for a relationship-driven lender with strong credit skills, proven business-development results and connections in the local business community.



Key Responsibilities

• Generate new commercial lending business through prospecting, referrals and networking throughout St. Joseph and Berrien County.
• Structure and close commercial real estate, C&I, equipment financing and business lines of credit.
• Partner with credit analysts to evaluate financial statements, cash flow, collateral and repayment capacity.
• Prepare financing proposals and present credit recommendations for approval within bank policy.
• Manage a commercial portfolio, including renewals, modifications, credit reviews and problem-loan resolution.
• Grow deposit relationships, identify treasury-management opportunities and represent the bank at community events.

Qualifications & Education

• 5+ years of direct commercial lending experience required; 7-10+ years preferred , including loan origination and portfolio management.
• Bachelor’s degree in finance, accounting or business required; advanced degree preferred.
• Proven ability to generate new commercial business, supported by measurable production results.
• Strong credit analysis, underwriting and loan-structuring skills, including CRE experience and meaningful C&I exposure.
• Excellent communication, negotiation and relationship-management skills, with the ability to work independently.
• Must be local to the St. Joseph area; established Berrien County business relationships and referral networks are strongly preferred.

Why Consider This Opportunity?

• Competitive base salary of $120,000-$160,000 , based on relevant experience and demonstrated results.
• Build lasting relationships with local business owners.
• Take ownership of relationships from prospecting through closing and ongoing portfolio management.
• Play a visible role in the bank’s growth and the community it serves.

Your next chapter could begin with one confidential conversation.

To apply, send resumes to: View email address on click.appcast.io, reference: "Commercial Lender- St Joseph"

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.