Commercial Lender - CRA Development Officer

Join in the Battle for Better Banking

Battle Bank, N.A. is a growing, digitally focused national bank headquartered in Minnesota. We serve clients across the United States and Canada through modern digital channels while maintaining deep roots in our home community of Morrison County and the state of Minnesota. As a bank planning to operate under a CRA Strategic Plan for 2027–2029, community development is not a compliance afterthought for us. It is a core part of how we lend, invest, and build relationships.

 

Battle Bank, N.A. is seeking an experienced commercial lender who combines strong, well-rounded commercial credit skills with a demonstrated track record of building Community Reinvestment Act (CRA) assets and relationships. This is a dual-mandate role: you will be an active participant in the lending activities of Battle Bank, managing commercial lending requests that come to the bank from across the United States and Canada, while proactively developing CRA-qualified lending, investment, and community relationships throughout Minnesota, with a special emphasis on Morrison County and the surrounding Central Minnesota region.

 

The position is remote or hybrid. Candidates located in Minnesota, particularly within reasonable driving distance of the Central Minnesota area, are strongly preferred given the community development focus of the role.

 

The Commercial Lender – CRA Development Officer will report directly to the Chief Credit Officer and be a member of the Lending team. This is a full-time position, with a pay range of $150,000 – $175,000 depending on experience. Battle Bank, N.A. offers a generous PTO policy, health, dental and vision insurance, term life AD&D insurance and employer contributions to a 401(K) plan.

Key Responsibilities:

 

Commercial Lending

• Manage the full life cycle of commercial loan requests received by the bank from clients across the United States and Canada, including origination, structuring, underwriting coordination, negotiation, documentation, closing, and ongoing portfolio management.
• Perform and review credit analysis, cash flow evaluation, collateral assessment, and risk rating of commercial borrowers across a range of industries and structures (operating companies, real estate, partnerships, trusts, and other entities).
• Structure loans appropriately for borrower needs and bank credit policy, and present credit recommendations to loan committee.
• Monitor existing credits for covenant compliance, financial performance, and early warning signs; manage renewals, modifications, and workouts as needed.
• Maintain complete, well-documented credit files consistent with bank policy and regulatory expectations.

 

CRA Development (Strategic Plan Focus)

• Serve as the bank’s lead business development officer and possibly CRA Coordinator for CRA-qualified lending and community development activity under the bank’s 2027–2029 CRA Strategic Plan.
• Identify, originate, and manage CRA-qualified loans, investments, and relationships across the state of Minnesota, with a special emphasis on Morrison County and the bank’s home assessment area.
• Build and maintain relationships with community development organizations, small business support networks, affordable housing developers, municipalities, economic development authorities, nonprofit lenders, and other community partners.
• Work with the Board, executive management and compliance to track progress against Strategic Plan goals and ensure activities are properly documented for CRA purposes.
• Represent the bank at community events, civic organizations, and development initiatives within the assessment area and coordinate the participation of other team members.

 

Qualifications

To perform this job successfully, an individual must be able to perform each key responsibility satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

 

Required

• Minimum 5 years of direct commercial lending experience, including origination, underwriting, structuring, and portfolio management.
• Preferred 5 years of direct experience developing CRA relationships and originating CRA-qualified loans, investments, or community development activities.
• Strong credit analysis and financial statement analysis skills.
• Working knowledge of CRA regulation and examination expectations, including experience supporting banks operating under a Strategic Plan or comparable community development framework.
• Excellent relationship-building, communication, and presentation skills.
• Ability to work independently in a remote/hybrid environment while coordinating closely with credit, compliance, and executive teams.
• Willingness to travel within Minnesota for community development activities.

 

Preferred

• 10+ years of relevant experienced preferred
• Location in Minnesota, ideally within reach of the Central Minnesota / Morrison County region.
• Existing relationships with Minnesota community development organizations, CDFIs, economic development authorities, or similar partners.
• Formal credit training and/or relevant certifications.

 

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

 

This position is remote or hybrid with travel to Minnesota required based on business needs. The work environment is fast-paced, and heavily reliant on technology. Individuals must be comfortable with computer systems, email, web-based applications, and a paperless environment. 

 

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

While performing the duties of this job, the employee is regularly required to sit. The employee is frequently required to talk, hear and use hands to execute tasks. The employee is occasionally required to stand and move around for work. The employee must be able to lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Commercial Lender – CRA Development Officer