Commercial Lending Officer at HR… · South Bend

Commercial Lending Officer

This role is located in the Michiana area.

Want to grow your career while building strong relationships with customers? Do you enjoy developing new business, helping customers find the right lending solutions, and being a trusted financial partner? Do you thrive in a professional, collaborative environment where your ability to build relationships and drive results is valued?

Then we have a place for you!

What We Offer:

• Exciting, innovative, collaborative, and flexible work environment
• Challenging and progressive career development
• Competitive salaries and bonus program!
• Comprehensive Health & Wellness programs
• Retirement Program with Employer Match!
• Best practice Paid Time Off policies and paid holidays
• And much more to motivated, results-oriented individuals who want to make a real difference in their community and role

What You'll Do:

As the Lending Officer is responsible for developing, managing, and growing a portfolio of commercial and mortgage lending relationships while maintaining strong credit quality and delivering exceptional customer service.

Your Accountabilities in the Role:

• Develops and grows new commercial and mortgage lending relationships through business development, networking, referrals, and community involvement.
• Achieves annual loan production goals by planning, prioritizing, and executing effective business development and sales strategies.
• Maintains and expands existing customer relationships to retain business, grow the loan portfolio, and identify additional lending opportunities.
• Structures and recommends loans that meet customer needs while maintaining strong credit quality and balancing the bank's risk requirements.
• Conducts annual relationship reviews to evaluate account performance, understand changing customer needs, identify opportunities, and proactively manage portfolio relationships.

Position Requirements:

• Education: Bachelor's degree in Finance, Business, Accounting, Economics, or related field; or an equivalent combination of education and experience.
• Experience: 3–5 years of banking, commercial lending, mortgage lending, or related financial services experience. 2+ years of direct commercial or mortgage loan sales experience preferred, preferably with an established book of customers and relationships.
• Certifications: No specific certification required.
• Functional Skills: Strong business development, financial analysis, planning, prioritization, and execution skills. Ability to develop lending relationships, drive loan production, structure loans, and balance customer needs with sound credit and risk management.
• Technology Skills: Average technology proficiency with the ability to effectively use CRM systems and other banking industry technology.
• Communication Skills: Strong verbal and written communication skills with the ability to build customer relationships, present lending solutions, collaborate with internal teams, and communicate financial information effectively.
• Leadership/Behaviors: Demonstrates sound judgment, strong customer focus, accountability, initiative, and relationship-building skills. Able to work independently while collaborating effectively with others to achieve business goals.
• Culture Match: Professional, collaborative, customer-focused, relationship-driven, and committed to providing exceptional service while supporting the success of the organization.

Other Important Information:

Pay/Salary: Salary is commensurate with proven expertise.

• And, the compensation will grow as the team member grows!

Reports To: Senior VP

Core Hours: 8:00 am – 5:00 pm (schedule can be flexible; will work approx. 8 hours within this timeframe)

Typical Work Week: M-F; (Some events outside of normal work hour); 40 - 45 hours a week on average

Direct Reports: None

Travel: Approximately 30-50% local travel during work hours and some after hour events.