Alerus
Senior Commercial Credit Officer, C&I Middle Market Lending
Alerus, Hopkins, Minnesota, United States, 55305
Senior Commercial Credit Officer, C&I Middle Market Lending
We are Alerus, a commercial wealth bank and national retirement provider with a core purpose: helping clients achieve their financial goals. We are guided by integrity and a commitment to do the right thing, fostering long‑term relationships and innovation across the organization.
About The Role The Senior Credit Officer reports directly to the Chief Credit Officer and plays a key role in the loan approval process and overall portfolio management for the Commercial & Industrial (C&I) Middle Market lending vertical. The role serves as the primary contact for lenders, underwriters, product specialists, and senior leadership for all new, renewal, and modification credit transactions, ensuring compliance with risk appetite and loan policy.
What You’ll Be Doing
Provide credit support to Business Advisors and Underwriters on C&I Middle Market credit requests in decisioning, administering, and overseeing commercial credit per the bank’s loan policy.
Collaborate with Business Advisors and Underwriters to understand customer needs, design loan structure, monitor, and service the loan relationship.
Propose appropriate loan programs such as SBA, USDA, FSA, etc.
Support the bank’s growth and loan quality goals by ensuring adherence to policies and procedures.
Approve loans within delegated credit authority and facilitate approvals requiring higher authority.
Manage workflow among underwriters, conduct weekly team meetings, reassign priorities, and ensure timely completion in line with client expectations.
Provide day‑to‑day oversight, monitoring, and performance management of staff; create performance plans and conduct timely reviews.
Oversee ongoing administration of credit relationships, including annual review process and payment status.
Assist with regulatory and internal audit reviews and internal credit reviews.
Participate in projects as directed by the CCO as a credit subject matter expert.
What You Should Have
Bachelor’s degree or equivalent education, including upper‑level courses in finance and accounting.
10+ years of experience in C&I commercial credit, including approval authority.
5–7 years of experience in personnel management and supervision.
Strong desire to build relationships within the Alerus organization and effective working relationships with co‑workers in credit and business development positions.
Strong problem‑solving ability.
Professional customer service skills.
Strong written and oral communication skills.
Strong negotiation and interpersonal relationship skills.
Self‑starter with established ability to work effectively with minimal day‑to‑day supervision.
What We Bring To The Table
Competitive compensation, including base salary, bonus, and/or incentive opportunities.
Comprehensive benefits package covering medical, dental, vision, life, and long‑term disability insurance; 401(k) and ESOP for retirement savings.
Generous paid time off programs such as flexible time off, company‑paid holidays, parental and bereavement leave.
Learning and development resources for personal and professional career development and advancement opportunities.
Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services.
Support for community through paid volunteer time and a company donation match opportunity.
Work Environment Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. The employee must occasionally lift or move supplies and materials up to 20 pounds.
Base Pay Range $135,000 – $170,000 per year
The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job.
Alerus is an equal opportunity employer and values diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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About The Role The Senior Credit Officer reports directly to the Chief Credit Officer and plays a key role in the loan approval process and overall portfolio management for the Commercial & Industrial (C&I) Middle Market lending vertical. The role serves as the primary contact for lenders, underwriters, product specialists, and senior leadership for all new, renewal, and modification credit transactions, ensuring compliance with risk appetite and loan policy.
What You’ll Be Doing
Provide credit support to Business Advisors and Underwriters on C&I Middle Market credit requests in decisioning, administering, and overseeing commercial credit per the bank’s loan policy.
Collaborate with Business Advisors and Underwriters to understand customer needs, design loan structure, monitor, and service the loan relationship.
Propose appropriate loan programs such as SBA, USDA, FSA, etc.
Support the bank’s growth and loan quality goals by ensuring adherence to policies and procedures.
Approve loans within delegated credit authority and facilitate approvals requiring higher authority.
Manage workflow among underwriters, conduct weekly team meetings, reassign priorities, and ensure timely completion in line with client expectations.
Provide day‑to‑day oversight, monitoring, and performance management of staff; create performance plans and conduct timely reviews.
Oversee ongoing administration of credit relationships, including annual review process and payment status.
Assist with regulatory and internal audit reviews and internal credit reviews.
Participate in projects as directed by the CCO as a credit subject matter expert.
What You Should Have
Bachelor’s degree or equivalent education, including upper‑level courses in finance and accounting.
10+ years of experience in C&I commercial credit, including approval authority.
5–7 years of experience in personnel management and supervision.
Strong desire to build relationships within the Alerus organization and effective working relationships with co‑workers in credit and business development positions.
Strong problem‑solving ability.
Professional customer service skills.
Strong written and oral communication skills.
Strong negotiation and interpersonal relationship skills.
Self‑starter with established ability to work effectively with minimal day‑to‑day supervision.
What We Bring To The Table
Competitive compensation, including base salary, bonus, and/or incentive opportunities.
Comprehensive benefits package covering medical, dental, vision, life, and long‑term disability insurance; 401(k) and ESOP for retirement savings.
Generous paid time off programs such as flexible time off, company‑paid holidays, parental and bereavement leave.
Learning and development resources for personal and professional career development and advancement opportunities.
Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services.
Support for community through paid volunteer time and a company donation match opportunity.
Work Environment Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. The employee must occasionally lift or move supplies and materials up to 20 pounds.
Base Pay Range $135,000 – $170,000 per year
The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job.
Alerus is an equal opportunity employer and values diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
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