Horizon Bank · 6 hours ago
Sr. Commercial Loan Officer
East Lansing, MI
Full-time
Onsite
Senior LevelHorizon Bank is a fast-growing financial institution seeking a Senior Commercial Loan Officer to join their lending team. In this role, you will manage a book of business, collaborate with clients, and ensure compliance while driving new business and loan growth.
BankingFinancial Services
Hiring Manager
Colin Mahoney
Responsibilities
Safeguard the Bank’s assets and uphold portfolio quality by following established lending processes, policies, procedures, regulatory and ethical requirements, audit standards, and risk management practices. Ensure all Commercial Banking activities comply with Bank Policies and related guidelines
Follow Know Your Customer (KYC) standards and Bank Policies & Procedures to help prevent loss due to fraud, counterfeiting, money laundering, or misappropriation; identify and report suspicious or reportable transactions or activity patterns potentially linked to money laundering
Recognize opportunities to cross-sell value-added commercial banking services through a targeted and proactive sales and business development approach
Drive the acquisition of new loans, deposits, and fee income by cultivating business with new and existing clients through an ongoing development strategy
Reduce credit risk by consistently tracking loan portfolio performance and repayment behavior, taking timely action to address and collect on delinquent accounts
Deliver underwriting expertise across all transaction types; use analytics and structuring guidance to recommend terms that appropriately balance risk and return to enhance competitiveness and secure business opportunities
Offer specialized support and direction in negotiating and documenting loan agreements with clients
Assist in loan administration—review and reconcile draw packages (including sworn statements and AIA documents), request and evaluate inspections, order title updates and date-down endorsements, and interact with clients as needed
Monitor economic conditions and integrate this insight with client financial reviews to support effective portfolio management
Protect customer trust and safeguard Bank operations by maintaining strict confidentiality of information
Engage in continuous training related to skills, compliance, risk management, and security, applying learned practices in day-to-day responsibilities. Stay informed on market developments through involvement in professional associations, community initiatives, and events
Qualification
Required
Commercial loan experience
Leadership skills
Ability to collaborate and generate solutions for business clients
Experience in marketing commercial banking products
Ability to manage a book of business
Financial analysis skills
Knowledge of state and federal regulations
Understanding of company policies and established Standard Operating Procedures (SOPs)
Experience in structuring and underwriting loan requests
Ability to grow loan and deposit portfolio
Experience in generating fee income
Ability to maintain profitable client relationships
Strong communication skills (face-to-face, written, and telephone)
Adherence to compliance standards including Bank Secrecy Act (BSA)
Ability to protect confidentiality of customer and account information
Knowledge of lending processes, policies, procedures, regulatory and ethical requirements, audit standards, and risk management practices
Understanding of Know Your Customer (KYC) standards
Ability to recognize opportunities to cross-sell commercial banking services
Experience in driving acquisition of new loans, deposits, and fee income
Ability to track loan portfolio performance and repayment behavior
Underwriting expertise across all transaction types
Ability to negotiate and document loan agreements
Experience in loan administration
Ability to monitor economic conditions and integrate insights with client financial reviews
Commitment to maintaining confidentiality of information
Engagement in continuous training related to skills, compliance, risk management, and security
Involvement in professional associations, community initiatives, and events
Company
Horizon Bank
Horizon is a community bank serving Northern and Central Indiana and Southwest Michigan.
Founded in 1873
501-1000 employees
Funding
Current Stage
Public CompanyTotal Funding
$203.5M2025-08-29Post Ipo Debt· $100M
2025-08-21Post Ipo Equity· $103.5M
2001-12-17IPO
Leadership Team
Thomas Prame
Chief Executive Officer
John R. Stewart
Executive Vice President and Chief Financial Officer
Recent News
Horizon Bancorp, Inc.
2025-10-24
Horizon Bancorp, Inc.
2025-10-15
Company data provided by crunchbase