Commercial Lender

Stearns Bank N.A.

Commercial Lender developing and managing lending relationships to generate loan requests. Working at Stearns Bank to maximize profitability while minimizing risk.

Posted 7/28/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $140,000 - $175,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in commercial lending and portfolio management, with a strong focus on relationship management and credit quality. Proficient in underwriting processes and compliance with legal and regulatory standards.

Highest-signal resume keywords

Commercial Lending ExpertisePortfolio Management ExperienceAnalytical SkillsUnderwriting ExpertiseRelationship Management Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan GradingDocumentation AccuracyCredit AnalysisLoan UnderwritingLoan ProcessingRisk ManagementCollection EffortsBusiness DevelopmentKPI AchievementLegal Compliance

Soft Skills

Strong Communication SkillsExcellent Customer Service Skills

Tools & Technologies

Banking SystemsLead Tracking SoftwareUnderwriting TechnologyProcessing Systems

Industry Keywords

Commercial LoansSmall Business LendingConsumer LoansLoan Portfolio ManagementCredit Worthiness

About the role

Key responsibilities & impact

Develop and manage lending relationships for the purpose of generating loan requests that meet established lending requirements, which provide maximum profitability to the bank with a minimum risk.
Including managing a loan portfolio for the express purpose of increasing balances and profit, and decreasing past dues, charge-offs, and other loan problems.
Ability to work within the bank's national lending platform under various programs.
Develop an ongoing personal business development plan that utilizes a structured calling program that generates an agreed-to minimum of new loan growth and fee generation based on business unit KPIs.
Collect necessary information from loan applicants so that loan requests can be understood and properly underwritten; respond to the credit department’s questions pertaining to the underwriting process to determine the credit worthiness of loan applicants.
Will provide information as requested on the status of loans in process and approved but not closed (pipeline and backlog report).
Make timely decisions on loan applications within granted authorities.
Is responsible for the accuracy of loan grading, documentation, performance, clearing of exceptions, and follow-up on all loans in assigned portfolio.
Will actively work existing customer base for referrals that garners new business from prospects and existing customers alike.
Maintain a list of delinquent accounts within the personal portfolio and maintain a log of collection efforts.
Contact delinquent accounts via telephone, personal visits or correspondence.
Forward irreconcilable accounts for collector action or pursuing legal action.
Monitor loan repayment for loans in assigned portfolio and take necessary action to collect past due loans.
Participate in community activities for the purpose of increasing the bank’s visibility and seeking out new business opportunities.
Promote bank services, seek out referral opportunities (including consumer loans), answer customer questions, and direct customers to the appropriate personnel for assistance.
Effectively use bank systems and other technology to the fullest extent of their capabilities to include lead tracking, opportunities, file notes, underwriting, processing, closings, and servicing workflows.
Maintain a working knowledge of all legal and regulatory compliance issues as they pertain to this position. Loss prevention and security as applicable to this position.

Requirements

What you’ll need

Bachelor’s degree from a four-year college or university preferred but will consider experience in lieu of degree.
Proven track record in commercial lending, specifically for commercial and commercial real estate loan requests.
Relationship management skills for commercial, small business, and personal relationships.
Highly developed analytical and underwriting expertise and a credit quality focus.
Portfolio management experience required.
Strong oral and written communication skills.
Proficient computer skills.
Excellent customer service skills.

Benefits

Comp & perks

Employee Stock Ownership Plan & 401k Plan
Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
12-week Paid Parental Leave and Medical Leave: With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
$5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance, Health Insurance Premiums
PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
10 Days Sick Time
11 Paid Holidays
4 Days Volunteer Time
2 Days Self Allowance Time
Tuition Assistance