Commercial Lender

County National Bank - Portage, MI

Full-time - Mid Level

Portage, MI

Credit Intermediation and Related Activities

About the position

The Commercial Lender at County National Bank is responsible for developing and managing commercial loan accounts, ensuring they meet established lending requirements while maximizing profitability and minimizing risk. This role involves interviewing loan applicants, analyzing financial data, negotiating loan terms, and monitoring repayment activities. The lender also plays a key role in community engagement and cross-selling bank services, contributing to the bank's visibility and business growth.

Responsibilities

• Interview loan applicants and analyze financial data to assess creditworthiness.
• Establish and negotiate loan terms, including costs and repayment schedules.
• Approve loans according to CNB Loan Policy and serve as a contact officer for larger loans.
• Monitor loan repayment activities and take necessary actions for past due accounts.
• Assist clients with business management skills and financial matters.
• Develop new business by contacting prospects and clients; cross-sell other bank services.
• Serve on various committees including Loan, Watch, ALCO, Compliance, and Marketing.
• Prepare and present loan materials to the Loan Committee and Board as required.
• Participate in community affairs to enhance the bank's visibility and business opportunities.
• Maintain commercial loan files and ensure proper documentation during loan closings.

Requirements

• Bachelor's degree in Business/Finance preferred or a combination of education and experience.
• 3-5 years of active commercial loan experience, including credit analysis.
• Strong understanding of credit, lending, and loan administration skills.
• Knowledge of lending laws and loan documentation requirements.
• Excellent interpersonal and communication skills, both written and verbal.
• Strong administrative skills and ability to manage resources effectively.
• Proficiency in MS Word, Excel, and Outlook.

Nice-to-haves

• Experience in community banking or local financial institutions.
• Familiarity with government guarantee loans (SBA, USDA, FSA).
• Ability to teach and mentor junior staff in commercial lending.

Benefits

• Loan repayment program