Commercial Lender (Red Wing)

Job Title: Commercial Lender

Job Location: Red Wing, MN

Our Commercial Lenders are responsible for developing and maintaining profitable and high-quality account relationships with commercial customers. 

• Effectively manages the loan process and all aspects of the borrowing relationship-from origination to booking and collection.
• Act as a relationship manager to existing customers.
• Identifies customer needs and recommends specific products and/or services.
• Analyze, structure, underwrite, price, and negotiate credit requests based on the risk and value of the relationship.
• Manages credit risk in a manner consistent with the loan quality target established by the Chief Credit Officer.
• Accepts loan applications, analyzes financial statements and underwrites credit using Sage Works.
• Negotiates terms, prepares written financial statement analysis for credit presentations package to Loan Committee.
• Ensures loan agreements are complete and accurate according to policy.
• Assures timely loan closing and funding activities.
• Generate fee income.
• Proactively identifies and manages risk through careful review of customer financial statements, overdraft reports, past due loan reports, watch reports, and loan review reports.
• Maintains knowledge and understanding of bank's loan policies and credit administration procedures and performs all responsibilities according to these guidelines.
• Develops and maintains knowledge of loan related compliance and documentation issues.
• Participates on the Loan Committee (along with other committees as requested) and participates in community activities to promote goodwill and generate additional business.
• Ensure compliance to loan policy, approval guidelines, and regulations.
  

• Bachelor’s Degree from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
• Minimum 3 years of commercial lending/credit experience.
• Knowledge of commercial credit and cash management products.
  

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.