VP - Commercial Banker

Build Relationships. Drive Growth. Make an Impact. For more than 110 years, Home State Bank has been committed to improving the quality of life for our customers, employees, and communities. Since 1915, our success has been built on lasting relationships, exceptional service, and a genuine commitment to helping local businesses thrive. If you're an experienced commercial lender who values relationship banking, entrepreneurial business development, and community involvement, we invite you to join an award-winning organization where your expertise and leadership can make a meaningful difference. Why Home State Bank? BauerFinancial 5-Star Rating (March 2025) 2025 Top Workplace Awards Financial Institution/Service Business-to-Business Company Family-Owned Business 2024 Top Workplace Awards Financial Institution/Service Large Employer (100+ Employees) Business-to-Business Company Family-Owned Business Professional Services About the Opportunity Home State Bank is seeking a Vice President, Commercial Banker to join our team in Crystal Lake, Illinois. This role offers the opportunity to manage and grow a diverse commercial lending portfolio while developing strong relationships with business owners, commercial real estate investors, and community leaders throughout the market. As a trusted advisor, you will be responsible for identifying new business opportunities, structuring credit solutions, and delivering outstanding service that supports both our clients' success and the Bank's continued growth. Please note: This position requires local market presence. Relocation assistance is not available. What You'll Do Develop, manage, and expand a commercial loan portfolio with a focus on Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending. Cultivate new commercial banking relationships while deepening existing client partnerships. Structure, negotiate, and close commercial loan transactions that balance profitability and risk. Partner with clients to identify and cross-sell treasury management and cash management solutions. Analyze credit opportunities and ensure compliance with bank policies and regulatory requirements. Maintain thorough loan documentation and proactively manage renewals, collections, and problem credits. Build and maintain a strong referral network of attorneys, CPAs, commercial real estate professionals, and other Centers of Influence (COIs). Consistently develop new business through proactive calling efforts and community engagement. Serve as a trusted financial resource for business clients and community stakeholders. What You Bring 10+ years of commercial lending experience as a Loan Officer, preferably with significant CRE and C&I exposure. Experience with SBA 7(a) and SBA 504 lending programs. Demonstrated success in business development and portfolio growth. Strong credit analysis, loan structuring, and risk management skills. Exceptional verbal and written communication abilities. Proven relationship-building and networking skills. Ability to work independently while collaborating effectively within a team environment. Strong organizational and time-management skills with the ability to prioritize multiple responsibilities. Bachelor's degree in Business, Finance, Economics, Accounting, or a related field. What We Offer At Home State Bank, we believe in rewarding our employees with competitive compensation and a comprehensive benefits package designed to support your health, financial well-being, and work-life balance. Benefits Begin the First of the Month Following Hire Medical coverage through Blue Cross Blue Shield with multiple PPO and HMO options Dental PPO coverage through BCBS Vision insurance through BCBS Company-paid Life and AD&D Insurance ($75,000 coverage) Company-paid Long-Term Disability Insurance 401(k) Plan with company match Generous Paid Time Off – (pro-rated first year) 4 Weeks Vacation 1 Week Sick Time11 Paid FDIC Holidays1 Floating Personal Holiday Tuition Reimbursement up to $6,000 annually for approved courses and books Employee appreciation and recognition events, including our annual holiday celebration at Boulder Ridge Country Club Join a Community-Focused Organization At Home State Bank, you'll find the stability of a respected community bank, the opportunities of a growing organization, and a culture that values relationships, integrity, collaboration, and service. If you're ready to take the next step in your commercial banking career and help local businesses achieve their goals, we'd love to hear from you. Apply today and become part of a team that's been making a difference since 1915. We are proud to be a diverse workforce that is representative, at all job levels, of the customers we serve. Home State Bank is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law. PI286363546