Commercial Lender - St. Paul

Are you searching for a great job with an amazing team? First Farmers & Merchants Bank of St. Paul is looking to hire a full-time Commercial Lender to manage and develop a quality portfolio. Ideal candidates will have commercial lending or commercial credit experience and a desire to maintain strong customer relationships while building new ones through networking and referrals.


Job Summary:

Our Commercial Lenders are responsible for developing and maintaining profitable and high quality account relationships with commercial customers. 

Essential Functions:

  • Effectively manages the loan process and all aspects of the borrowing relationship-from origination to booking and collection.
  • Act as a relationship manager to existing customers.
  • Identifies customer needs and recommends specific products and/or services.
  • Analyze, structure, underwrite, price, and negotiate credit requests based on the risk and value of the relationship.
  • Manages credit risk in a manner consistent with the loan quality target established by the Chief Credit Officer.
  • Accepts loan applications, analyzes financial statements and underwrites credit using Sage Works.
  • Negotiates terms, prepares written financial statement analysis for credit presentations package to Loan Committee.
  • Ensures loan agreements are complete and accurate according to policy.
  • Assures timely loan closing and funding activities.
  • Generate fee income.
  • Proactively identifies and manages risk through careful review of customer financial statements, overdraft reports, past due loan reports, watch reports, and loan review reports.
  • Maintains knowledge and understanding of bank's loan policies and credit administration procedures and performs all responsibilities according to these guidelines.
  • Develops and maintains knowledge of loan related compliance and documentation issues.
  • Participates on the Loan Committee (along with other committees as requested) and participates in community activities to promote goodwill and generate additional business.
  • Ensure compliance to loan policy, approval guidelines, and regulations.

Education & Experience:

  • Bachelor’s Degree from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
  • Minimum 3 years of commercial lending/credit experience.
  • Knowledge of commercial credit and cash management products.

About us:

First Farmers & Merchants Bank is an independent, privately owned community bank with locations in Southern Minnesota and St. Paul. The St. Paul location is primarily a private banking office that provides a very high level of customer service to our clients.

Job Type: Full-Time

Please download and complete the Employment Application and submit it along with a resume and cover letter to:


First Farmers & Merchants Bank is an Equal Opportunity Employer.