VP - Commercial Loan Officer

Royal Credit Union•White Bear Lake, MN

1d•Onsite

About The Position

Royal Credit Union is looking for a VP Commercial Loan Officer to develop and manage a complex commercial loan portfolio, lead business development efforts, analyze and structure lending solutions, and partner closely with Members, community leaders, and internal teams to deliver meaningful financial outcomes while supporting Royal’s mission and growth. The role emphasizes building strong business relationships and driving impactful financial solutions. Royal Credit Union is a values-driven organization focused on making a positive impact on its Members and communities, offering a supportive environment with opportunities for professional growth and empowerment.

Requirements

Bachelor’s Degree in Finance, Accounting, Business, Economics or related field or equivalent business lending work experience
Minimum of three (3) years of Commercial Lending experience
Must be bondable
Valid Driver’s License and maintain it
Insured vehicle
Advanced commercial lending expertise, including credit analysis, financial statement analysis, loan structuring, portfolio management, collateral review, and environmental due diligence, with the ability to make sound, risk-based lending decisions.
Strong business development, relationship management, and sales skills, with a proven ability to generate new business, expand existing relationships, and identify cross-sell opportunities across lending, deposit, and treasury services.
Highly developed analytical and critical thinking abilities, using financial data, trends, and qualitative insights to evaluate risk, support recommendations, and make confident, timely decisions in complex situations.
Exceptional communication and presentation skills, both written and verbal, to clearly articulate financial concepts, influence stakeholders, present to committees, and build trust with Members, partners, and internal teams.
Strong organizational, time management, and adaptability skills, with the ability to manage competing priorities in a fast-paced, goal-oriented environment while embracing change, new technology, and continuous improvement.

Nice To Haves

Specific banking and commercial lenders education (i.e. Graduate School of Banking, Robert Morris Commercial Lending Courses, CUNA)

Responsibilities

Developing and managing a complex portfolio of diverse, quality, and profitable commercial and commercial real estate loans and deposits, and treasury/cash management services.
Loan production including business development, networking, and relationship management.
Developing and maintaining strong relationships with COI's, existing member networks, community leaders, and other partners.
Analyzing and evaluating loan applications and making appropriate recommendations regarding product offerings, loan structuring, pricing, and approval.
Participating in overall credit/risk management, portfolio management, and servicing of assigned portfolio.
Ensuring compliance with lending policies and procedures.
Collaborating with other Royal Team Members to help meet Members' specific commercial lending, commercial real estate lending, and deposit and treasury/cash management needs.