Commercial Credit Manager

Mercantile Bank•Troy, MI

1d•Onsite

About The Position

Mercantile Bank was built by Commercial Bankers to support strong, sustainable Commercial Lending. As we continue to expand across the state of Michigan, we are seeking a full-time Commercial Credit Manager to join our Commercial Credit team in Troy, MI. We continue to build on that foundation today, with a focus on sound credit practices, strong client relationships, and the development of exceptional talent. As a Commercial Credit Manager, you will play a key role in carrying that legacy forward, leading a high-performing team responsible for delivering quality credit analysis and supporting smart, strategic growth across the Bank. In this role, you will not just manage processes, you will shape people and outcomes. You will develop future leaders, strengthen our credit culture, and ensure the discipline behind every lending decision supports both our clients and the long-term health of the Bank. If you are a collaborative leader who values strong credit fundamentals, enjoys mentoring others, and thrives in a relationship-driven environment, this is an opportunity to make a meaningful impact.

Requirements

4–8 years of progressive commercial banking experience, including formal credit training, with prior experience in a Senior Credit Analyst or Portfolio Management role
Demonstrated experience analyzing and underwriting complex commercial and industrial (C&I) credits in a bank environment
Proven ability to coach and develop junior credit professionals within a structured credit or lending team
Bachelor's degree in finance, accounting, or a closely related field
Strong people leadership skills
Passion for developing talent and building high-performing teams
Ability to coach and prepare others for the next step in their careers
Comfortable partnering across teams to enhance training, identify growth opportunities, and strengthen the overall credit function
Sharp eye for financial analysis
Strong organizational skills
Commitment to maintaining compliance while supporting business growth
Enjoyment of mentoring others and playing a key role in shaping the future of a credit department

Nice To Haves

Experience in a relationship-driven environment
Values strong credit fundamentals

Responsibilities

Lead, develop, and manage a team of Portfolio Managers, Credit Analysts, and interns, building a strong talent pipeline for future roles across the Bank
Oversee credit analysis and underwriting processes, while ensuring adherence to commercial credit policy, sound risk management, and compliance with approval processes, risk rating systems, and regulatory expectations
Support recruiting and training efforts for Credit Analysts and interns, ensuring the efficient operation of the Credit Department and maintaining overall loan quality
Guide your team through complex credit work, including reviewing financial information, directing underwriting analysis, and overseeing the preparation of loan write-ups.
Collaborate closely with other Credit Managers to identify high-potential team members and expand their exposure to more complex assignments.
Help cultivate a strong, compliance-driven sales culture that balances risk management with building lasting client relationships.
Support ongoing training, maintain reporting and credit files, and ensure your team is well-positioned for future roles across lending, treasury management, loan review and beyond.