Page 45 - August 22, 2024 Bulletin

BaNKeRS’ CLaSSiFieDS

Commercial Banker Ag Credit Officer

West Fargo ND Fargo ND

Full job description: www.firstwestern.bank/careers/.
Commercial Banker Overview At Bank Forward, our greatest asset is our employees. Working for a
widely respected company with a rich tradition, in an atmosphere of
Direct and manage First Western Bank & Trust’s Bismarck Region’s enthusiasm, positivity, with a culture grounded in teamwork focused
retail, commercial, and ag banking activities to fulfill growth on the future is what can be expected at Bank Forward…It’s Simply
objectives and policies.
the Forward Way!
• Conduct sales calls and meet with prospective and existing customers to Compensation: Starting at $82,000 or greater annually, depending
establish new loan business on experience.
• Represent the bank in local community at meetings and events to market
the bank’s products and services Benefits: Health (Traditional and High Deductible plan options),
• Administer individual loan portfolio including commercial and other Dental, Vision, Medical & Dependent Care FSA, HSA, 401k,
assigned loans Employee Stock Ownership, Company paid Life and Long-term
• Interview loan customers to determine lending needs Disability Insurance, Voluntary paid benefits, Paid Time Off,
• Work with the Small Business Administration and Bank of North Holidays, Extended Medical Absence Leave.
Dakota to qualify customers for participation lending programs Work Hours: Monday through Friday 8-5pm.
• Negotiate direct lending terms as well as collateral and payment Skills / Requirements / Qualifications:
structures
• Maintain customer relationships through regular communication and • Acts as a resource for bank officers in the credit administration
follow up contact process by analyzing and spreading of financial statements
• Meet with customers to request information for loan applications, for potential new clients and providing preliminary
including appraisals, credit reports, background checks and other recommendations as to the feasibility of the credit request.
information needed for loan evaluation • Assists lenders with the preparation of loan committee
• Compile financial information including income tax records, balance presentations, credit reviews and problem loan summaries.
sheets and other data to create loan spreads • Acts as a resource for bank officers in the credit administration
• Analyze applicant financial status and conduct collateral evaluations to process.
make lending decisions • Spread and analyze financial statements for existing and
• Approve credits up to lending authority and prepare those credit requests prospective clients. Provide preliminary recommendation
that exceed lending authority for loan committee and/or Board approval regarding the feasibility of the credit request.
Qualifications • Prepare independent, written credit evaluation of new, renewal
or modification loan proposals as well as annual credit reviews.
• Bachelor’s degree in business or finance related field • Identify trends and analyze performance in order to develop an
• Experience in bank lending, loan review, compliance or finance is required assessment of credit risks.
• Strong understanding of financial statements and credit standards • As required, monitor credit quality through the review
• Knowledge of business management principles preferred financial information such as interim financial statements, to
Skills/Abilities provide early warning of possible deterioration.
• Excellent oral and written communications skills • Provide input to lending officers on terms under which a
credit request could be structured including costs, repayment
• Demonstrate professionalism in working with the public and methods and collateral requirements.
all levels of management
• Ability to define problems, facts and draw valid conclusions • Develop and maintain a thorough understanding of the Bank’s
• Strong analytical, problem solving and decision-making skills credit policies, procedures, processes and manage to best
practices.
• Computer proficiency, especially in Microsoft Excel
• Knowledge, skill, and mental development equivalent to
To apply, go to www.firstwestern.bank/careers/ the completion of a four-year college degree in Accounting,
Finance, or a related field and five years of credit, lending, or
First Western Bank & Trust is an Equal Opportunity Employer. All qualified banking experience.
applicants will receive consideration for employment without regard to race,
color, religion, gender, sexual orientation, gender identity, national origin, age, Resumes can be sent to: humanresources@bankforward.com
disability, genetic information, marital status, or veteran status.

45