Commercial Credit Manager

Job Description

Job Description

Mercantile Bank was built by Commercial Bankers to support strong, sustainable Commercial Lending. As we continue to expand across the state of Michigan, we are seeking a full-time Commercial Credit Manager to join our Commercial Credit team in Troy, MI . We continue to build on that foundation today, with a focus on sound credit practices, strong client relationships, and the development of exceptional talent. As a Commercial Credit Manager, you will play a key role in carrying that legacy forward, leading a high-performing team responsible for delivering quality credit analysis and supporting smart, strategic growth across the Bank.

In this role, you will not just manage processes, you will shape people and outcomes. You will develop future leaders, strengthen our credit culture, and ensure the discipline behind every lending decision supports both our clients and the long-term health of the Bank. If you are a collaborative leader who values strong credit fundamentals, enjoys mentoring others, and thrives in a relationship-driven environment, this is an opportunity to make a meaningful impact.

Core Responsibilities:

• Lead, develop, and manage a team of Portfolio Managers, Credit Analysts, and interns, building a strong talent pipeline for future roles across the Bank
• Oversee credit analysis and underwriting processes, while ensuring adherence to commercial credit policy, sound risk management, and compliance with approval processes, risk rating systems, and regulatory expectations
• Support recruiting and training efforts for Credit Analysts and interns, ensuring the efficient operation of the Credit Department and maintaining overall loan quality

Why Mercantile Bank?

Mercantile Bank was founded by entrepreneurs who believed building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do.

As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of 3 weeks' vacation, sick time, 11 paid holidays, generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to connect with community through volunteer opportunities.

A Look Into Your Day

In this role, you will lead and develop a team of Portfolio Managers, Credit Analysts, and interns, shaping the future of our bank's talent pipeline. You will play an active role in hiring-building relationships with regional colleges and leveraging our internship program as a key source of future hires.

Day to day, you will guide your team through complex credit work, including reviewing financial information, directing underwriting analysis, and overseeing the preparation of loan write-ups. You will collaborate closely with other Credit Managers to identify high-potential team members and expand their exposure to more complex assignments.

You will also help cultivate a strong, compliance-driven sales culture that balances risk management with building lasting client relationships. Along the way, you will support ongoing training, maintain reporting and credit files, and ensure your team is well-positioned for future roles across lending, treasury management, loan review and beyond.

What We're Looking For

We are looking for a strong people leader who is passionate about developing talent and building high-performing teams. You bring several years' experience in commercial credit and underwriting, along with the ability to coach and prepare others for the next step in their careers.

You thrive in a collaborative environment and are comfortable partnering across teams to enhance training, identify growth opportunities, and strengthen the overall credit function. You have a sharp eye for financial analysis, strong organizational skills, and a commitment to maintaining compliance while supporting business growth.

Most importantly, you are someone who enjoys mentoring others and playing a key role in shaping the future of a credit department.

Requirements:

• 7-10 years of progressive commercial banking experience, including formal credit training, with prior experience in a Senior Credit Analyst or Portfolio Management role
• Demonstrated experience analyzing and underwriting complex commercial and industrial (C&I) credits in a bank environment
• Proven ability to coach and develop junior credit professionals within a structured credit or lending team
• Bachelor's degree in finance, accounting, or a closely related field

Apply today and join a team that values excellence, integrity, and thoughtful risk management while making a meaningful impact on local businesses!