What are the responsibilities and job description for the Commercial Lender position at Northwoods Bank of Minnesota?
Build Relationships. Drive Growth. Make an Impact.
Northwoods Bank is seeking an energetic, relationship-focused Commercial Lender / Business Development Representative to join our team in Park Rapids. This role is ideal for a motivated banking professional who enjoys developing new business, helping local businesses succeed, and making a meaningful impact in the communities we serve.
As a Commercial Lender and Business Development representative, you will be responsible for growing commercial and consumer loan portfolios, developing new deposit relationships, and serving as a trusted financial partner to customers. You will work closely with business owners, community leaders, and existing customers to identify opportunities and deliver financial solutions that help individuals and businesses thrive.
What You'll Do:
Commercial & Consumer Lending
- Interview customers and analyze financial information to structure sound lending solutions.
- Underwrite, approve within authority, and close loans in accordance with bank policies and regulatory requirements.
- Ensure loan documentation is complete and the bank's collateral position is properly secured.
- Monitor portfolio quality, assign appropriate risk ratings, and maintain accurate loan records.
- Manage renewals, annual reviews, and ongoing customer relationships.
Portfolio Management
- Service an existing loan portfolio while providing exceptional customer service.
- Manage delinquent accounts and work proactively to minimize credit losses.
- Identify and address technical exceptions and potential problem loans.
- Collaborate with internal teams to ensure efficient and timely loan processing.
Community Leadership
- Represent the bank through participation in community, civic, and business organizations.
- Serve as an ambassador for Northwoods Bank by promoting our mission, values, and commitment to local communities.
What We're Looking For
- Experience in commercial, agricultural, consumer, or business banking.
- Strong understanding of lending principles, credit analysis, and financial statement interpretation.
- Proven ability to develop new business and build long-term customer relationships.
- Excellent communication, negotiation, and customer service skills.
- Ability to manage multiple priorities and work independently.
- Knowledge of banking regulations and compliance requirements.
- Strong sales orientation with a consultative approach.
Why Join Northwoods Bank?
At Northwoods Bank, you'll find more than a job... you'll find an opportunity to build lasting relationships, support local businesses, and contribute to the success of the communities we serve! We offer a collaborative work environment, opportunities for professional growth, and the ability to make a real difference every day.
If you’re passionate about providing exceptional service and being a vital part of a community-driven bank, we’d love to hear from you!
Apply Today!
Submit your resume nowhiring@northwoodsbank.com or visit our main branch to apply in person.
Northwoods Bank is an equal opportunity and veteran-friendly employer. We encourage qualified women, minorities, individuals with disabilities, and veterans to apply.
Northwoods Bank of Minnesota was chartered over a century ago in the small town of Dorset MN. The bank successfully navigated through the depths of the depression, the expansion years of the 1980’s and 1990’s, a charter re-location and name change, and most recently, the “great recession”. Throughout the years, the bank has grown and prospered. We are proud to continue to be locally owned and operated.
Pay: $45,000.00 - $90,000.00 per year
Work Location: In person
Salary : $45,000 - $90,000