Credit transformation · 2025
Reframed a $150M growth facility
Built a risk-adjusted structure for a regional logistics group, aligning covenant flexibility with a resilient downside case.
22%
More borrowing capacity
UnderwritingDeal structuring
Open to senior banking opportunities
Banking strategy · Credit · Portfolio management
Clear judgment for complex financial decisions!
I am Jane Mercer, a commercial banking leader who turns rigorous analysis into confident growth for clients, portfolios, and teams.
Trusted across middle-market lending, credit transformation, and treasury strategy.
$1.2B
Portfolio oversight
12+
Years in banking
98%
Client retention
Selected work
Finance work with measurable momentum.
A sample of strategic initiatives shaped through analysis, partnership, and practical execution.
Portfolio strategy · 2024
Made risk signals visible sooner
Designed an early-warning framework that paired sector indicators with relationship insight across a diversified loan book.
31%
Faster risk escalation
Risk analyticsProcess design
Treasury advisory · 2023
Unlocked working-capital efficiency
Mapped cash conversion across twelve entities and led a treasury redesign that gave leadership a clearer daily liquidity position.
$8.4M
Liquidity released
TreasuryCash flow
Decision lens
Three questions before the answer.
The strongest financial decisions connect analysis to context. This is the simple filter I use to turn complexity into a recommendation people can trust—and act on.
A repeatable framework, never a canned answer
Live realtime experiment
Put several homepages in the room.
Open this portfolio in a few tabs or browsers. Each homepage becomes a named participant, and every vote moves the shared pulse instantly.
Open another homepage ↗
This homepage is New homepage
The best banking advice is technically sound, commercially useful, and easy to act on.
Profile
A steady hand in the moments that matter.
My work sits where financial analysis meets human judgment. I help businesses see the full picture, make tradeoffs explicit, and move forward with confidence.
Colleagues know me as a calm operator who asks precise questions, communicates without theater, and keeps both the client relationship and the credit fundamentals in view.
Core capabilities
Commercial creditPortfolio managementFinancial modelingTreasury solutionsRelationship leadershipTeam development
Career snapshot
Built in banking, shaped by partnership.
2022 — Present
Senior Vice President, Commercial Banking
Northline Bank · Chicago
Lead a middle-market portfolio and a team of relationship managers serving companies across logistics, business services, and manufacturing.
2018 — 2022
Vice President, Credit Portfolio Strategy
Lakefront Financial Group
Built portfolio reporting, sector playbooks, and executive risk reviews for a national commercial lending platform.
2013 — 2018
Relationship Manager, Middle Market Banking
Continental Commerce Bank
Advised founder-led businesses on credit, treasury, and growth planning while developing a durable referral network.
Contact
Let’s talk about what your team is building.
I am interested in senior commercial banking, portfolio strategy, and credit leadership roles where clear thinking and strong relationships matter.
- Based in
- Chicago, Illinois
- Availability
- Open to the right banking leadership opportunity