Commercial Lending Team Leader (Effingham)

Position Title: Commercial Lending Team Leader


Locations: Effingham_IL


Time Type: Full time


Req ID: JR1271-Effingham_IL


At Midland, we’re proud to be a little different. You can see it in our bright orange signs-but there’s more to it than that. With our heartfelt and personalized approach, we’re focused on meeting every customer’s needs with the brightest solutions.

For more than 140 years, we’ve learned by serving customers skillfully with dedication and follow-through, we can brighten every interaction to drive our collective success. And this goes beyond traditional banking.

We foster programs that empower our communities, continuously invest in our employees, and actively pursue brighter futures for all.

Our humble ambition keeps us growing, giving back, and looking ahead. We’re innovating and optimizing our services to ensure we stay unique - providing strength you can count on with heart you can feel.

You might say we’re unlike any other bank.

And you’d be right.


At Midland States Bank, base salary is one component of our Total Rewards program. Exact compensation is determined by factors such as (but not limited to) education, skills, internal equity, and experience. This position offers additional compensation in the form of short-term incentives (i.e. bonus and/or commission) and may include long-term incentives (i.e. stock awards). Benefits for this role include comprehensive healthcare, well-being benefits, paid family leave as well as generous paid time off. Total Rewards also include banking perks, an Employee Stock Purchase Plan, 401K plan with company match and may include the opportunity to participate in our Non-Qualified Deferred Compensation plan. Incentives and benefits are subject to eligibility requirements.

Commercial Lending Team Leader

Salary Range: $106,250 - $141,650+ annually

Position Summary

The Commercial Lending Team Leader is responsible for leading and managing the day-to-day activities of a commercial lending team. The Team Leader will also originate, negotiate, and service commercial loans and customer relationships. The Team Leader oversees the team’s loan portfolio, establishes, and maintains ongoing relationships, and supports cross line functions that promote customer relationship development. The Team Leader works directly with the commercial loan sales and support staff to provide guidance and accountability towards achieving the team’s goals.

Primary Accountabilities

• Proven ability to generate a minimum of $15MM in new loan commitments on an annual basis.
• Collect a minimum of $30,000 in loan fees annually.
• Maintain a list of active loan and depository prospects and conduct well planned and value-added joint calls.
• Develop a comprehensive plan for all clients and prospects on how to refer and bring other MSB resources to the relationship on an ongoing basis.
• Ability to analyze financial data, structure and negotiate transactions, and perform on-going credit maintenance items.
• Holds individual, as well as the team’s, delinquencies to a minimum by aggressively collecting past due loans, and also assures that all clients provide required reporting information in a timely manner.
• Maintain compliance with all applicable regulations.
• Oversees and facilitates the development of banking relationships by guiding staff and acting as a resource to the team.
• Leads the team’s sales meetings and conducts check ins regularly with staff.
• Proficiency in applicable computer systems such as programs that pertain to the related position.
• Complete all training as required.
• Minimum of 25 hours per year in organizational involvement that directly enhances business opportunities for the Bank and supports the Bank’s initiatives.
• The role requires occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
• May require work in a Midland office to ensure collaboration and support of internal and external customers.
• Maintain compliance with all applicable regulations including, but not limited to, the Bank Secrecy Act (BSA).
• Other duties as assigned.

Position Qualifications

Education/Experience:

• Bachelor’s degree in Finance, Business, Accounting, or other related business field
• Minimum 5 years’ (10 years preferred) experience in Commercial Banking with an emphasis on commercial lending.
• Strong credit and underwriting skills are required along with a proven ability to originate and manage a diverse portfolio of relationships.
• Proven management and leadership skills.
• Successful completion of bank training specific to position
• Direct Sales experience of 5-10 years
• Proven success of meeting or exceeding prior years’ goals for the prior three years.
• Developed concentration in Commercial Real Estate, Commercial and Industrial, or Specialized Credits

Competencies:

• Business insight
• Cultivates innovation
• Drives results
• Makes sound decisions
• Being a brand champion
• Collaborates
• Communicates effectively
• Customer focus
• Being Authentic
• Emotional Intelligence
• Self development
• Being flexible and adaptable

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at [email protected].

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

At Midland States Bank, we believe that when we can bring our whole selves to work each day, we become happier, more comfortable, more confident and more excited to do great things for our customers, each other and our company. We’re proud to be an Equal Opportunity and Affirmative Action employer. At Midland, we recruit, employ, train, compensate and promote without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. If you are looking for a place to grow, we encourage you to apply at Midland States Bank, because you belong here.

If you require reasonable accommodation in completing this application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please direct your inquiries to Midland States Bank Human Resources at [email protected].

Midland States Bank may use automated tools and artificial intelligence (“AI”) to assist with recruiting, screening, and hiring decisions. In accordance with the Illinois Human Rights Act (effective January 1, 2026), these tools are designed and monitored to be neutral and job-related, and must not be used in a way that discriminates against applicants or employees based on any protected characteristic.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT

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