Commercial Loan Officer - Lansing, MI

A community bank in Lansing, Michigan is seeking a Commercial Loan Officer to develop new business and manage larger or complex commercial lending relationships. This opportunity suits a relationship-focused lender who combines sound credit judgment with proactive business development.

• Generate commercial lending opportunities through prospecting, referrals, and relationships with business owners and professional advisors.
• Analyze financial statements, cash flow, repayment capacity, and collateral to evaluate creditworthiness.
• Manage commercial loan relationships while supporting portfolio quality and profitability.
• Coordinate timely loan renewals, approvals, and closings.
• Monitor loan and deposit performance and identify emerging credit concerns.
• Address late payments, insurance deficiencies, and outstanding financial reporting.
• Maintain accurate loan documentation and adhere to bank credit policies and regulatory requirements.
• Participate in community activities to build visibility and referral relationships.

• 3-5 years of related lending experience; commercial lending experience strongly preferred.
• Bachelor's degree or an equivalent combination of education, related experience, and training.
• Strong understanding of financial statements, cash flow, balance sheets, and collateral.
• Ability to assess credit risk and recommend appropriate credit limits.
• Excellent customer service, communication, presentation, and negotiation skills.
• Ability to manage multiple relationships and deadlines in a fast-moving environment.

• Formal commercial credit training and experience preparing credit presentations.
• Demonstrated loan production and referral development.
• Experience structuring commercial loans and monitoring covenants.
• Familiarity with the Greater Lansing business community.
• Proficiency with banking systems, credit analysis tools, and Microsoft Excel.

• Help local businesses access financing and develop lasting banking relationships.
• Combine business development with commercial portfolio management.
• Apply your credit expertise to larger or complex lending relationships.
• Build professional connections through community involvement.