Vice-President Business Banker

Midstates Executive Solutions•Grand Rapids, MN

4d•Onsite

About The Position

Our client is seeking an experienced commercial lender to join their team as Vice President – Business Banking. This position offers the opportunity to build lasting business relationships, manage and grow a commercial loan portfolio, and help local businesses meet their financial needs. The ideal candidate brings strong credit judgment, a relationship-focused approach, and the ability to generate new business through professional networks and community involvement.

Requirements

A minimum of two years of postsecondary education or equivalent certification.
At least five years of commercial lending experience.
Strong understanding of commercial lending, financial statement analysis, credit risk, and lending regulations.
Knowledge of business management practices, local economic conditions, and legal considerations related to lending and collections.
Strong communication, negotiation, relationship management, and business development skills.
Ability to present credit requests clearly and make objective, well-supported lending decisions.
Proficiency with Microsoft Word, Excel, and related business applications.
Commitment to confidentiality, professionalism, and sound business judgment.

Nice To Haves

Bachelor's degree in business, finance, or accounting.
Ten or more years of commercial lending experience.

Responsibilities

Manage and grow a commercial loan portfolio: Serve existing and prospective business customers while maintaining credit quality and following lending policies.
Evaluate and structure loans: Interview borrowers, review financial information, assess creditworthiness, and negotiate loan terms, covenants, and pricing.
Make credit decisions: Approve or decline requests within assigned lending authority and present larger requests to the loan committee.
Monitor portfolio performance: Review updated financial information, maintain accurate loan files, and identify and address repayment concerns.
Manage loan modifications and collections: Negotiate extensions, modifications, and repayment schedules, and address delinquent loans promptly.
Build business relationships: Develop new opportunities through outreach, referrals, and personal and professional contacts.
Deliver financial solutions: Advise customers on business and financial matters and recommend appropriate deposit products and additional banking services.
Represent our client in the community: Participate in local organizations, events, and activities that strengthen relationships and support the communities served.
Maintain compliance: Ensure lending activities and documentation meet internal policies and applicable state and federal regulations.
Support the team: Collaborate with colleagues, assist with scheduled bank opening and closing duties, and complete special projects as assigned.