Commercial Loan Officer

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 Commercial Loan Officer to join our Ham Lake location. What's In It For You? We're proud to offer a variety of benefits to support the health and well-being of our full-time employees, including: Company Sponsored Life Insurance and Short-Term Disability Medical, Dental, and Vision Insurance Health Savings Account (HSA), Limited Flexible Spending Account (FSA) and Dependent Care Flexible Spending Account (DCFSA) options. Paid Company Holidays and Paid Time Off (PTO) Volunteer Paid Time Off (VTO) 401k Retirement Plan with Company Match Voluntary Life Insurance and Long-Term Disability Employee Assistance Program (EAP)

Supplemental Benefit Options Job Overview:

The Commercial Loan Officer is responsible for driving profitable sales growth through the acquisition, expansion, and ongoing management of a business banking portfolio. This role combines credit expertise, revenue growth, and ownership of the client relationship. We are looking for someone who is comfortable with sitting at the intersection of commercial lending, relationship management, and becoming a strategic financial partner for the business. The Commercial Loan Officer actively identifies new business opportunities, builds strong referral networks, and serves as a trusted advisor to clients by delivering tailored financial solutions that support their growth objectives. In partnership with internal teams, this role leads the credit process from opportunity identification through underwriting and closing, ensuring alignment with the Bank's risk appetite, lending policies, and performance goals. The Commercial Loan Officer plays a key role in achieving portfolio growth and revenue targets through proactive calling efforts, community involvement, networking, and participation in Bank-led sales initiatives. The role requires strong market awareness and a deep understanding of industry trends, competitive dynamics, economic conditions, and lending structures to effectively manage risk, optimize portfolio performance, and position the Bank for long-term growth.

POSITION DUTIES AND RESPONSIBILITIES

Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Loan Committee of new loans and renewals. Coordinates processing of approved loans, ensures loans are processed according to agreement, customer needs and conforms to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements. Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. Advanced experience, knowledge and training in financial statement and tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. Negotiates, underwrites, and processes renewals of credit facilities. Approves loan payments, draws from lines of credit, and fund transfers within specified limits. Authorizes commitment, engagement, action and decline letters. Reinforces the application of superior customer service through his/her own example along with appropriate follow-through with involved customers and employees. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities.

REQUIRED SKILLS

Experience, knowledge and training in all lending activities and terminology. Knowledge of commercial, construction, commercial real estate loan processing. Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Proven ability to develop marketing and business development skills with customers. Basic skills in computer terminal and personal computer operation, mainframe computer system, word processing and spreadsheet software. Proficient with Microsoft products and bank software to meet production needs of the position Advanced math skills: calculate interest, commissions, proportions and percentages; balance accounts; add, subtract, multiply and divide in all units of measure using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others; interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees. Ability to work with no supervision while performing duties. Current Minnesota driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities. The incumbent must be able to perform this position safely, without endangering the health or safety to him/herself or others. Minimum Qualifications Minimum of 3-5 years of experience as a Commercial Loan Officer or in a similar role 4 years of post-secondary education, business or finance preferred

Pay Range:

$90k-140k base + Commission. Starting pay is determined based on several factors, which can include the candidate's experience, qualifications, skills, and geographic area. Falcon National Bank is an equal-opportunity employer . All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

Job Type:

Full-time Base Pay:

$90,000.00 - $140,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Health savings account Paid time off Professional development assistance Referral program Vision insurance

Work Location:

In person