VP Commercial Loan Officer

We are looking for an experienced VP Commercial Loan Officer to grow and manage a commercial lending portfolio in a Minnesota market. This position combines business development, credit evaluation, and relationship management to support commercial clients while maintaining strong loan quality and profitability. The ideal candidate brings sound lending judgment, a consultative approach to client service, and the ability to identify opportunities for both loan and deposit growth.

Responsibilities:
• Develop new commercial banking relationships by prospecting businesses and identifying lending opportunities that align with portfolio goals.
• Review financial statements, tax returns, and supporting documentation to assess borrower strength and determine appropriate credit solutions.
• Structure financing proposals that balance client needs with prudent risk management and institutional lending standards.
• Partner with credit and analysis teams to prepare thorough loan presentations and bring recommendations forward for approval.
• Participate in credit committee discussions and respond confidently to questions regarding assigned borrowing relationships.
• Maintain regular contact with existing clients to evaluate changing business needs, deepen relationships, and uncover additional banking opportunities.
• Monitor portfolio performance by tracking covenant compliance, reviewing higher-risk credits, and identifying signs of deteriorating financial conditions.
• Ensure renewals, annual reviews, and risk rating updates are completed accurately and within required timeframes.
• Provide guidance and coaching to branch teams and entry-level lenders on commercial lending, business development, and deposit growth strategies.
• Support clients and internal partners by addressing commercial banking inquiries and contributing to special projects as needed.

• At least 5 years of commercial lending experience, with a strong background in portfolio development and credit management.

• Experience in with Commercial Real Estate Lending

• Demonstrated knowledge of commercial banking products, lending practices, and credit policy application.

• Ability to analyze business financial statements, tax returns, and global cash flow to make sound underwriting decisions.

• Experience presenting credit requests and communicating risk considerations clearly to decision-makers.

• Proficiency with Microsoft Office, including advanced Excel skills for financial analysis and reporting.

• Strong written and verbal communication skills, with the ability to manage multiple priorities independently in a fast-paced environment.

• Sound judgment, problem-solving ability, and a detail-oriented approach to client service and credit-related decisions.