Commercial Loan Officer, (AVP or VP Level)

ThinkingAhead

$85K — $100K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Accounting, Business, or related field.
  • 3+ years of commercial lending or banking experience.
  • Proven track record in business development and portfolio growth.
  • Strong skills in commercial credit analysis and loan structuring.
  • Ability to assess credit risk through financial statement analysis.
  • Excellent communication, presentation, and relationship management skills.
  • Established business relationships in Southwest Michigan preferred.

Responsibilities

  • Develop new commercial banking relationships through business development.
  • Structure and present commercial loan opportunities tailored to client needs.
  • Manage and grow an existing commercial loan portfolio effectively.
  • Analyze financial statements, cash flow, collateral, and credit risk.
  • Collaborate with Credit Analysts and internal teams during the lending process.
  • Conduct portfolio reviews, renewals, modifications, and covenant monitoring.
  • Forge long-term relationships with business owners for comprehensive banking solutions.

Benefits

  • Local decision-making to enhance client relationships.
  • Strong credit support to facilitate lending processes.
  • Collaborative culture focused on community commitment.
  • Opportunity to build lasting client relationships in a supportive environment.
Full Job Description
Commercial Lender (AVP or VP Level)

A respected and growing community bank in Southwest Michigan is seeking an experienced Commercial Lender to join its commercial banking team.

This is an opportunity for a relationship-driven banker to build and expand commercial relationships, manage an existing portfolio, and serve as a trusted advisor to local businesses. The Bank offers local decision-making, strong credit support, and a collaborative culture with a genuine commitment to its communities.

Key Responsibilities
• Develop new commercial banking relationships through business development and community involvement
• Structure and present commercial loan opportunities that meet client needs and Bank standards
• Manage, retain, and grow an existing commercial loan portfolio
• Analyze financial statements, cash flow, collateral, and credit risk
• Partner with Credit Analysts and internal teams throughout the lending process
• Conduct portfolio reviews, renewals, modifications, and covenant monitoring
• Build long-term relationships with business owners and deliver comprehensive banking solutions
• Maintain a visible presence throughout the Southwest Michigan business community

Qualifications
• Bachelor's degree in Finance, Accounting, Business, or a related field
• 3+ years of commercial lending or commercial banking experience
• Proven success in business development, relationship management, and portfolio growth
• Strong commercial credit analysis and loan structuring skills
• Ability to analyze financial statements and assess credit risk
• Excellent communication, presentation, and relationship management skills
• Established business relationships within Southwest Michigan preferred

The ideal candidate is a motivated commercial banker with strong credit acumen, sound judgment, and a passion for building lasting client relationships. This is an excellent opportunity for a banker who wants the resources of an established institution while maintaining the personal connection and local decision-making of a community bank.

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