Commercial Banker

Mercantile Bank•Traverse City, MI

20d

About The Position

Mercantile Bank was built by Commercial Bankers to do Commercial Lending. As we expand through the state of Michigan, we are looking for someone to join us as a Full-Time Commercial Banker in Traverse City, MI. Practice your craft in Commercial Banking in the community that you know and love. This exciting opportunity allows you to leverage your expertise while collaborating with local businesses to help them achieve their goals and foster economic growth. You'll immerse yourself in a fun and flexible work culture that prioritizes customer-centricity and innovation. Your passion for problem-solving will shine as you tackle unique financial challenges, contributing to the success of the businesses you serve. Engaging with local entrepreneurs and crafting tailored financial solutions will not only enhance your professional growth but also nurture a sense of community. Experience the thrill of making a tangible impact in the business landscape of Traverse City. Join us and be part of a high-performance team dedicated to excellence and integrity in banking. Why Mercantile Bank? Mercantile Bank was founded by entrepreneurs who believed building strong relationships and communities is accomplished through collaboration and innovation. It's more than being a financial institution, it's being a trusted ally and community partner. As Michigan's largest community bank, our roots are deeply embedded in the diverse communities we serve. Our commitment to our customers and community is at the core of all we do. As an employee of Mercantile Bank, you will receive competitive compensation, bonus opportunities, and best-in-class benefit options. With a minimum of 4 weeks' vacation, sick time, 11 paid holidays, generous 401k match of 5%, company paid life insurance, tuition reimbursement, IVF and adoption assistance, zero-interest loans for fitness equipment and business attire, discounted bank services, employee stock purchase plan, 529 savings plans, health savings accounts, flexible spending accounts, legal protection, exceptional training and development opportunities, and encouragement to connect with community through volunteer opportunities. A Look into Your Day As a Commercial Banker at Mercantile Bank in Traverse City, MI, you will play a crucial role in enhancing the bank's profitability through relationship-building with customers and prospects. Your responsibilities will include systematically developing a potential customer list and utilizing your cross-selling skills to promote bank products, including deposits and treasury management solutions. You will assess loan requests for alignment with the bank's credit and profitability standards while diligently monitoring credit and asset quality through consistent reporting and follow-up with borrowers. Representing the bank at various community functions will allow you to strengthen local ties, while you manage and grow a commercial loan portfolio aimed at maximizing earnings and minimizing delinquency. Your commitment to excellent customer service will be key, as will your ability to prepare loan write-ups, maintain reporting systems, and present client insights to the Board of Directors. What We're Looking For To thrive as a Commercial Banker at Mercantile Bank, candidates must possess a robust combination of skills and experience. Candidates should have a proven history of managing a diverse commercial and industrial (C&I) loan portfolio of at least $100 million, along with formal credit training effectively utilized throughout their careers. Strong ties to the local community will enhance your ability to build relationships. The ideal candidate will exhibit an entrepreneurial spirit, with a desire to innovate and contribute to a high-performing cross-functional team. Independent operation is crucial, along with a professional demeanor, excellent verbal and written communication abilities, and a commitment to maintaining high attendance and appearance standards.

Requirements

Five or more years' Commercial Lending experience including experience as a Credit Analyst
Bachelor's degree in finance or accounting
Formal Banking Credit Training is a must
proven history of managing a diverse commercial and industrial (C&I) loan portfolio of at least $100 million
formal credit training effectively utilized throughout their careers
Independent operation is crucial
professional demeanor
excellent verbal and written communication abilities
commitment to maintaining high attendance and appearance standards

Nice To Haves

Strong ties to the local community
entrepreneurial spirit
desire to innovate and contribute to a high-performing cross-functional team

Responsibilities

Use your industry and banking knowledge to grow the bank's commercial lending portfolio
Be a market leader in your community to drive successful partnerships with centers of influence and community members
enhancing the bank's profitability through relationship-building with customers and prospects
systematically developing a potential customer list and utilizing your cross-selling skills to promote bank products, including deposits and treasury management solutions
assess loan requests for alignment with the bank's credit and profitability standards while diligently monitoring credit and asset quality through consistent reporting and follow-up with borrowers
Representing the bank at various community functions will allow you to strengthen local ties
manage and grow a commercial loan portfolio aimed at maximizing earnings and minimizing delinquency
prepare loan write-ups, maintain reporting systems, and present client insights to the Board of Directors