Job Description

NOVON Consulting is partnered with an independent, locally owned community bank to hire a VP of Commercial Lending (Loan Officer) for two locations: Roseville, MN and Monticello, MN (Onsite/M-F)

Our client is expanding their commercial lending group and currently looking for experienced Commercial Loan Officers.

Required Skills:

• Has positive energy, motivated self-starter with a strong work ethic and acts in the best interest of the client and the bank. Ability to provide an exceptional customer experience with outstanding customer service. 
• Conduct sales calls and demonstrate ability to make connections, engage with the customers and build business relationships. Solicit and obtain new profitable business from assigned and prospective customers. 

• Ability to display knowledge and proficiency in loan and deposit products through cross-selling, answering questions, and educating customers about bank products and services that enhance the customer experience. 
• Meet with customers to explain loan options, request information for loan applications, including appraisals, credit reports, background checks and other information needed for loan evaluation.
• Compile financial information including income tax records, balance sheets and other data necessary for loan application. 
• Ability to conduct a thorough analysis of application for credit to determine if request meets established bank underwriting criteria. 
• Approval or denial of credit requests within personal lending authority. Determine loan conditions and terms. Present to Officer's Loan Committee recommendation for loan requests in excess of personal lending authority.
• Conduct site visit and collateral inspections as necessary.
• Conduct annual loan reviews on existing customers.
• Maintain customer relationships through regular communication and follow up contact.

• Manage and service commercial lending portfolio of loans from sales through payoff, including collection and renewal. Ultimately responsible for the credit quality of the portfolio.

• Follow up with delinquent loans to maintain the quality of the loan portfolio. 
• Manages time in all areas of lending process effectively and efficiently.
• Achieve sales and service goals.

• Build collaborative internal relationships to serve clients needs in providing the best solutions and achieve customer satisfaction. 
• Ensure compliance to loan policy, approval guidelines, applicable banking laws and regulations.

Education & Qualifications:

• Bachelor’s Degree from four-year college or university in business, finance, or related field.

• Minimum 4 years of commercial lending experience is required.
• Thorough knowledge of lending process and management of loan portfolios.
• Strong understanding of financial statements and credit standards.
• Knowledge of commercial credit and cash management products.
• Knowledge of business management principles preferred.

Skills and Abilities:

• Excellent written and verbal communication skills. 
• Demonstrate professionalism in working with the public and all levels of management.
• Strong analytical, problem solving and decision-making skills.
• High attention to detail and follow through skills.
• Computer proficient and adaptable to various computer programs.

Benefits include Medical, dental, health savings account (HSA), 401K with company match, Life and AD&D ins., STD (Short Term Disability), LTD (Long Term Disability), vacation, sick days, holidays, free checking account with free checks, free safe deposit box, and education benefit. 

This position includes a bonus of up to 21% of base compensation. Compensation Commensurate with experience - The base salary range targeted for this role $100,000 - $120,000 (not including an incentive plan).

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