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Job description
Competitive Salary + Comprehensive Benefits
nAre you passionate about helping local businesses grow and thrive? Skilled at building relationships, analyzing financials, and structuring lending solutions? You could be the perfect fit for our team as a VP, Commercial Loan Officer at Town & Country Credit Union.
nAs a VP, Commercial Loan Officer, you'll develop and manage a high-quality commercial loan portfolio while building meaningful relationships with business owners, professionals, and community partners. You'll work closely with members to understand their goals, assess financial needs, and create customized financing solutions that support both their immediate needs and long-term success.
nWe're seeking an experienced, community-minded lending professional who excels at relationship building, business development, financial analysis, business and delivering exceptional member service.
nWhat You'll Do
nIn this role, you'll manage the full commercial lending process-from prospecting and relationship development to loan structuring, approval, and closing. Key responsibilities include:
nnDevelop and structure creative commercial lending solutions based on member needs, risk, relationship value, and profitability.
nAdvise members on financing decisions and financial strategies by analyzing balance sheets, income statements, cash flow projections, tax returns, and other financial information.
nBuild and manage a high-quality commercial loan portfolio while meeting growth, production, profitability, and credit quality goals.
nDevelop new commercial relationships through networking, referrals, cold and warm outreach, community involvement, and other business development activities.
nPromote and sell commercial loan products while identifying opportunities to deepen relationships through additional products and services.
nBuild trusted, long-term relationships with business owners and decision-makers by understanding their businesses, industries, and financial objectives.
nCollaborate with credit analysts and other internal partners to review, structure, and present credit requests while participating in the decision-making process.
nStructure loan terms, prepare credit proposals, and ensure lending decisions comply with established policies, procedures, and regulatory requirements.
nContinuously monitor portfolio performance, identify emerging risks, and take appropriate action to address delinquency, deteriorating financial conditions, or other credit concerns.
nParticipate in business and community organizations, networking events, and other activities that strengthen Town & Country Credit Union's presence in the commercial community.
nRegularly meet with members and prospects at their businesses or other locations to understand their operations, assess needs, and strengthen relationships.
n nWhat We're Looking For
nnBachelor's degree in business administration, Finance, Agricultural Management, or related field (or equivalent experience).
n3-5 years of commercial banking, commercial lending, business ownership, or related financial experience.
nStrong understanding of commercial credit principles, financial analysis, cash flow analysis, and risk assessment.
nStrong financial and mathematical skills, including loan amortization, interest calculations, debt service coverage, and collateral evaluation.
nProven ability to develop new business and build long-term relationships with business owners and commercial clients.
nProven ability to build trust and long-term relationships with members.
n nWhy Town & Country Credit Union?
nWe're a team of 175 professionals across 10 branches in Fargo, West Fargo, Minot, Kenmare, and Stanley. At Town & Country Credit Union, we're committed to making a positive impact-on our members, our employees, and our communities.
nWe believe in delivering outstanding products and services while fostering a supportive and growth-oriented work environment. You'll find opportunities to take on new challenges, grow your skills, and make meaningful contributions every day.
nBenefits You'll Enjoy
nWhether you're full-time or part-time, we offer a range of benefits designed to support your well-being and success:
nnCompetitive pay
nPaid holidays
nGenerous paid time off
n"Dress for your day" dress code
nHealth, dental, and vision insurance
nLife and disability insurance
nFlexible spending accounts
n401(k) with employer contributions
nPaid volunteer time
nTuition reimbursement
nYMCA Corporate Membership Discount or Lifestyle Spending Account
n nReady to Make an Impact?
nIf you're looking for a career where your expertise in commercial lending and relationship management can make a meaningful difference for local businesses and the communities they serve, we'd love to meet you.
nExplore our careers and apply here
nTown & Country Credit Union is an Equal Opportunity Employer.
Worksite address
fargo, ND, 58126, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.