Business Banker

Full-Time 22 Central Ave S, Richmond, MN 56368 Posted on 10/14/2026

At Falcon National Bank, we are passionate about helping our customers and the communities where we live and work. This is accomplished by finding talented individuals who share in our Mission of building life‑long relationships, our Vision of growth and success, and our Values of high integrity and reliable execution. Falcon National Bank is currently looking for a Business Banker to join Falcon National Bank.

The Business Banker is responsible for soliciting, structuring, negotiating, underwriting, and coordinating the closing of complex commercial and business loans in accordance with lending policies and procedures. You'll manage and grow a portfolio of commercial clients, building strong relationships while maintaining sound credit quality and identifying opportunities to support their evolving business needs. The Business Banker actively develops new business opportunities and deepens existing client relationships to support the Bank’s long‑term growth and financial performance.

The Business Banking Department delivers high‑quality service across the full lifecycle of bank products, including underwriting, origination, closing, and ongoing service. The department works collaboratively with other bank departments to support daily operations and activities arising from both direct and indirect customer interactions. All transactions are executed with a strong focus on efficiency, timeliness, accuracy, and regulatory compliance.

• Engage in business development activities and solicitation of new business.
• Develop and retain commercial business and meet with prospective customers.
• Interview prospective applicants and request specified information related to loan or credit application.
• Perform pre‑qualification assessment and analysis of financial condition and risk of financing requests.
• Gather and analyze all information necessary to present a financing request to senior management or Loan Committee.
• Coordinate processing of approved loans, ensuring loans are processed according to agreement.
• Ensure that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiate, underwrite, and process renewals of credit facilities.
• Approve loan payments, draws from lines of credit, fund transfers within specified limits and works to collect past due loans.
• Authorize commitment, engagement, action and decline letters.
• Contribute to the overall profitability of the branch and region.
• Consistently apply good decision‑making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures.
• Verify funds with mortgage companies and contractors.
• Review NSF and overdraft reports for customers assigned within their portfolio.
• Utilize expertise in lending and credit analysis, along with communication, interpersonal, and coaching skills, to enhance the team’s skills and grow out commercial loan portfolio.
• Compile data from credit bureaus, conduct industry peer comparisons, perform cash flow analyses and other such tasks and comparisons.
• Additional responsibilities may include participating in the budgeting and strategic planning teams as well as contributing to the formulation, implementation and administration of commercial lending policies and coordinating with other departments to meet the needs of our clients.
• Represent the Bank in various community, civic and community reinvestment functions to further enhance the Bank’s image and develop additional business.
• Reinforce the…