Commercial Banker

POSITION OVERVIEW:
Develop new commercial loan business for First Western Bank & Trust through securing, structuring, and closing loans; maintain and service existing commercial lending portfolio.

ESSENTIAL JOB FUNCTIONS, DUTIES AND RESPONSIBILITIES:

Conduct sales calls and meet with prospective and existing customers to establish new loan business
Represent the bank in local community at meetings and events to market the bank’s products and services
Administer individual loan portfolio including commercial and other assigned loans
Interview loan customers to determine lending needs
Work with the Small Business Administration and Bank of North Dakota to qualify customers for participation lending programs
Negotiate direct lending terms as well as collateral and payment structures
Maintain customer relationships through regular communication and follow up contact
Meet with customers to request information for loan applications, including appraisals, credit reports, background checks, and other information needed for loan evaluation
Compile financial information including income tax records, balance sheets, and other data to create loan spreads
Analyze applicant financial status and conduct collateral evaluations to make lending decisions
Approve credits up to lending authority and prepare those credit requests that exceed lending authority for loan committee and/or Board approval
Assemble and maintain complete loan files
Conduct loan reviews on existing customers annually
Collaborate with management on loan policies and procedures and make recommendations for improvement
Participate in the bank’s loan committee
Review loan reports to determine the status of payment and work with customers to collect outstanding balances
Ensure documentation complies with bank policy as well as State and Federal Regulations
Ensure compliance with banking laws, regulations, and the Bank’s policies and procedures, including Bank Secrecy Act
Maintain continuing education related to lending certification and compliance standards

OTHER DUTIES:

Conduct site visits and collateral inspections, as necessary
Other duties, responsibilities, and activities may be assigned with or without notice

EDUCATION AND/OR EXPERIENCE:

Bachelor’s degree in business or finance related field
Experience in bank lending, loan review, compliance, or finance is preferred
Strong understanding of financial statements and credit standards
Knowledge of business management principles preferred

SKILLS/ABILITIES:

Excellent oral and written communications skills
Demonstrate professionalism in working with the public and all levels of management

Ability to define problems, facts and draw valid conclusions
Strong analytical, problem solving, and decision-making skills
Computer proficiency, especially in Microsoft Excel
First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, age, disability, genetic information, marital status, or veteran status.

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