Commercial Loan Officer

Are 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 Commercial Loan Officer at Town & Country Credit Union.

As a 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.

We're seeking an experienced, community-minded lending professional who excels at relationship building, business development, financial analysis, business and delivering exceptional member service.

What You'll Do

In this role, you'll manage the full commercial lending process-from prospecting and relationship development to loan structuring, approval, and closing. Key responsibilities include:

• Develop and structure creative commercial lending solutions based on member needs, risk, relationship value, and profitability.
• Advise members on financing decisions and financial strategies by analyzing balance sheets, income statements, cash flow projections, tax returns, and other financial information.
• Build and manage a high-quality commercial loan portfolio while meeting growth, production, profitability, and credit quality goals.
• Develop new commercial relationships through networking, referrals, cold and warm outreach, community involvement, and other business development activities.
• Promote and sell commercial loan products while identifying opportunities to deepen relationships through additional products and services.
• Build trusted, long-term relationships with business owners and decision-makers by understanding their businesses, industries, and financial objectives.
• Collaborate with credit analysts and other internal partners to review, structure, and present credit requests while participating in the decision-making process.
• Structure loan terms, prepare credit proposals, and ensure lending decisions comply with established policies, procedures, and regulatory requirements.
• Continuously monitor portfolio performance, identify emerging risks, and take appropriate action to address delinquency, deteriorating financial conditions, or other credit concerns.
• Participate in business and community organizations, networking events, and other activities that strengthen Town & Country Credit Union's presence in the commercial community.
• Regularly meet with members and prospects at their businesses or other locations to understand their operations, assess needs, and strengthen relationships.

What We're Looking For

• Bachelor's degree in business administration, Finance, Agricultural Management, or related field (or equivalent experience).
• Previous experience in banking, finance, accounting, sales, customer service, agriculture, or a related field preferred; commercial lending experience is not required.
• Strong understanding of commercial credit principles, financial analysis, cash flow analysis, and risk assessment.
• Strong financial and mathematical skills, including loan amortization, interest calculations, debt service coverage, and collateral evaluation.
• Proven ability to develop new business and build long-term relationships with business owners and commercial clients.
• Proven ability to build trust and long-term relationships with members.

Why Take This Next Step with Town & Country Credit Union?

You already know our members, communities, and culture. Now, build on that experience and grow your career as a Commercial Loan Officer. This is an opportunity to expand your lending expertise, develop business relationships, and make a greater impact for our members.

At TCCU, we're committed to developing our employees and creating opportunities for career growth from within.

Ready to Grow With Us?

If you're a current Town & Country team member who is interested in commercial lending and ready to expand your skills, we encourage you to apply. Whether you're looking to build on your existing lending experience or take your career in a new direction, this could be your opportunity to make a meaningful impact for our business members and communities.

Questions about the role? Feel free to reach out to Jake Klobuchar or Human Resources.

Town & Country Credit Union is proud to support employee development and career growth and is an Equal Opportunity Employer.