North Dakota Bankers
Extraordinary Leadership for North Dakota Banks

Business Banker III

Summary of Work

This position will serve as a primary contact for financial institutions and will manage a loan portfolio. This role is responsible for building relationships with financial institutions as well as internally with related departments and be responsible for representing BND through community involvement and industry events.
Market Analysis/Outreach:
  • Responsible for building strong relationships with financial institutions in the assigned market. This position will educate financial institutions on BND products and services and will be responsible for identifying needs and how BND products and services can meet those needs.
  • Increase BND's visibility in the banking community.
  • Attend various banking and related meetings to communicate BND's services and role in the state's development.
  • For non-credit needs, position will function as a liaison between BND internal service areas and various financial institutions, collaborate on presentations and help facilitate meetings.
Portfolio Management:
  • This position requires fielding calls from financial institutions on major service issues and collect on-going information.
  • Work with originating lender on modifications to existing loans.
  • Review loan files for documentation deficiencies and exceptions.
  • Maintain delinquency records, problem loan strategies, and loan files.
  • Contact originating lender to provide assistance and guidance in resolving delinquent and workout credits.
  • Maintain, complete, or review necessary computer input records. 
Credit Analysis/Approval:
  • Analyze financial data for credit worthiness, may include spreading financial statements as necessary, calculating ratio and cashflows, and discussing with originating lender.
  • Verify loan requests are within the program guidelines and overall mission of the bank.
  • Verify loans are structured and maintained to provide profitability and minimize risk to the bank as well as recommend approval or denial of loan requests to senior management on those requests in excess of business banker's individual lending authority.
  • Make loan presentations to various loan committees depending upon the size of the credit request.
  • Review commitment or rejection letters to originating lenders.
Responsibilities include structuring credits, taking loan applications, obtaining financial information, performing site inspections, negotiating rates and fees (service and origination), managing the loan closing package and follow-up on outstanding items in conjunction with the Loan Administration and Credit Administration areas in the loan approval process.

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