Commercial Banker

Independent Bank • East Lansing, MI

2d

About The Position

Join Independent Bank as a Commercial Banker to originate and service secured commercial loans — with a focus on Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending — and help advance our mission of inspiring financial independence today with tomorrow in mind! This role offers both the assumption of an existing portfolio, and immediate production opportunities.

Requirements

• Credit analysis and business development/lending experience required with 3+ years of commercial lending experience.
• Excellent interpersonal, presentation and communication skills.
• Aptitude for finance and have the ability to exercise sound judgment and business decisions.
• Strong business development skills.
• Personal Computer skills are also required, preferably Microsoft Office.

Nice To Haves

• Bachelor’s degree in Finance preferred (or equivalent years of working experience).
• Formal credit training preferred.

Responsibilities

• Establishes relationships and generates business from new and existing customers.
• Cross-sells other products and services and generates fee income for the bank.
• Interview applicants regarding financing information.
• Maintain productive relationships between the branches, mortgage loan officers, and the commercial loan department.
• Build a solid relationship between the current customer base and Independent Bank.
• Cross-sell bank products and services to new and existing customers.
• Exercise sound judgment and assertiveness in addressing complex problems and concerns.
• Makes decisions on loans and terms within approved limits.
• Monitors existing portfolio to ensure compliance with loan agreement terms and financial trends/developments.
• Target and establish new customers within the market by participating in various community/professional activities.
• Utilize the branch network to solicit new business while identifying existing customers with larger lending needs.
• Ensure all documentation gets to the loan file.
• Ensure fee production for the bank by cross selling cash management services, investment services, and commercial loan fees.
• Monitor and reduce the delinquency average for commercial loans.
• Provides customer service and loan structuring training to junior lending staff.
• Performs other related duties as assigned.

Benefits

• Comprehensive total rewards package.
• Exposure to different areas of banking and the ability to work with leaders within the industry.
• Community-focused events and volunteer opportunities.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level