Commercial Credit Manager

Mercantile Bank•Troy, MI

3d•Onsite

About The Position

Mercantile Bank is seeking a full-time Commercial Credit Manager to join their Commercial Credit team in Troy, MI. This role is crucial in supporting the bank's strong, sustainable Commercial Lending practices and continued expansion across Michigan. The Commercial Credit Manager will lead a high-performing team responsible for delivering quality credit analysis and supporting strategic growth. This position involves shaping people and outcomes, developing future leaders, strengthening the credit culture, and ensuring lending decisions support both clients and the long-term health of the Bank. The ideal candidate is a collaborative leader who values strong credit fundamentals, enjoys mentoring others, and thrives in a relationship-driven environment.

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 in mentoring others and playing a key role in shaping the future of a credit department.

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 the 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 the team is well-positioned for future roles across lending, treasury management, loan review, and beyond.
Play an active role in hiring, building relationships with regional colleges and leveraging the internship program as a key source of future hires.