VP Commercial Lender

Job Description

Job Description

We are looking for an accomplished, detail-oriented commercial lending specialist to join our banking team in the Twin Cities, Minnesota. This role focuses on building long-term business relationships, expanding commercial banking partnerships, and delivering sound lending solutions that support client and bank growth. The ideal candidate brings strong credit judgment, a consultative approach to business development, and the ability to manage a high-quality commercial portfolio from origination through ongoing servicing.

Responsibilities:

• Develop new commercial banking relationships through community involvement, networking, referrals, and proactive outreach to prospective clients.

• Grow existing client accounts by identifying borrowing, deposit, and cash management opportunities that align with each business customer’s needs.

• Guide clients through lending options, gather required documentation, and structure financing solutions that reflect sound underwriting practices.

• Analyze financial statements, tax returns, collateral details, and other supporting information to assess creditworthiness and recommend appropriate loan terms.

• Make credit decisions within assigned authority levels and prepare well-supported presentations for larger requests requiring committee approval.

• Oversee the commercial loan process from initial prospecting through closing, renewal, collection activity, and final payoff.

• Perform portfolio monitoring activities, including annual relationship reviews, site visits, and collateral inspections, to maintain strong asset quality.

• Address delinquent accounts promptly and take appropriate action to protect portfolio performance and minimize credit risk.

• Partner with internal teams to deliver responsive service, ensure regulatory compliance, and provide effective banking solutions for commercial clients.

• Bachelor’s degree in business, finance, or a related field from an accredited four-year institution.

• At least 3 years of commercial lending experience within a banking environment.

• Demonstrated success in business development, relationship management, and generating profitable commercial loan growth.

• Strong knowledge of commercial underwriting, credit analysis, loan structuring, and portfolio administration.

• Ability to interpret financial statements, tax documentation, and related materials to support sound credit decisions.

• Familiarity with commercial banking products, including lending, deposit, and cash management solutions.

• Excellent communication and client service skills, with the ability to build trust and maintain productive business relationships.

• Solid understanding of banking regulations, lending policies, and prudent risk management practices.