People join the Bank of Elk River for the opportunity of a new job but stay because they have found a dynamic, challenging career. Discover what is possible for you at The Bank of Elk River!

SUMMARY

The Commercial Lender position is responsible for developing and managing a quality commercial loan portfolio. They provide exceptional customer service while managing all aspects of the borrowing relationship. He/she will identify opportunities to broaden customer relationships. They will actively cross-sell the bank’s retail products and services to generate additional revenue. This position requires a strong knowledge of business cash cycles, cash flow analysis, real estate financing and financial statements.

QUALIFICATIONS

To perform this job successfully, the individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and ability required. Reasonable accommodations may can be provided to enable individuals with disabilities to perform the essential functions.

**This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Effective March 1, 2015, persons in this position must meet the Consumer Financial Protection Bureau loan originator qualification requirements and must comply with The Bank of Elk River policy related to these requirements. The loan originator qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements including additional screening.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Identifies commercial loan opportunities with new and existing customers and actively develops solutions to meet customer loan needs and expectations. Achieves bank loan growth, yield and portfolio quality goals and objectives. This includes collecting, reviewing, and analyzing financial statements and tax returns as part of the loan underwriting process. Identifies what bank products and services best meet the customer’s needs and financial circumstances and makes recommendations.
• Manages current customer relationships to ensure adequate review and oversight which include proper risk analysis and loan repayment performance.
• Monitors customer reporting covenants to minimize loan file exceptions. Maintains current loan file financial information.

Bachelor’s degree (BA) from a 4-year college or university and a minimum of 3-5 years banking experience and/or the equivalent combination of education and experience.

The Bank of Elk River has been in business for more than 135 years. This means that we know what we are doing, and we do it well. We are constantly challenging ourselves to deliver better, faster, and more meaningful, personalized services. Our customers know our name and we know generations of business owners. We are involved in the Elk River community. We are committed to making a difference in our customers' lives through our unceasing pursuit of innovation and transcendence.

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