About The Role
Position serves as a representative to current and potential banking clients who require commercial loan service to meet their needs. Position interviews and performs a credit analysis on new and existing credit applications and arrives at a conclusion to recommend approval or to decline credit applications. Administers booking and monitors performance to include review and collection. Conducts visits to customers and community members to make existing and potential customers aware of bank services. Complies with all banking laws and regulations.
DUTIES AND RESPONSIBILITIES:
- Meet or exceed loan production goal as set annually by manager in conjunction with goals set for First Security Bank annual production.
- Take applications for commercial loan business. Review customer financial condition and assess the customer’s ability to re-pay the loan. Makes underwriting decisions within approval authority. Complete or direct completion of all loan documents and closes loans.
- Confirm details on loan documentation are complete and correct prior to closing to ensure accuracy and are following state and federal regulations as well as bank policy.
- Participates in developing lending and deposit business for the company. Call on clients to expand existing business; call on prospects seeking opportunities to expand the company’s client base.
- Monitors existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
- Assists in collection of past due loans. Assists customers with any loan-related questions and concerns.
- Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures.
- Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of First Security Bank.
About You
QUALIFICATIONS:
Experience Required:
- Commercial Lender II – Two to four years of similar or related experience.
- Commercial Lender III – Four to six years of similar or related experience.
- Commercial Lender IV – Six to eight years of similar or related experience.
Working knowledge of nCino or similar commercial banking software preferred.
Education/Certification/Licenses Required:
A Bachelor’s degree in finance or related field. An equivalent combination of education and experience may be considered.
Must possess current valid driver’s license.
KNOWLEDGE, SKILL, ABILITY:
- Knowledge of banking compliance regulations and guidelines related to area of responsibility.
- Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications.
- Ability to apply accounting, scheduling, and budgeting, measurement and calculation math skills associated with lending activities for purposes of data analysis.
- Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques.
- Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers.
- Teamwork: Demonstrate ability to work independently and as part of a team.
- Professionalism: Exhibit a professional manner in dealing with others.
- Ethical Behavior: Model high standard of honesty, integrity, trust, and openness.
- Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties.
- Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives.
- Adaptability: Adapt positively to change; manage competing demands.
- Planning and Organization: Prioritize, organize, and plan work; use time efficiently.
- Judgment/Problem Solving: Display ability and willingness to make sound decisions.
- Individual Responsibility and Accountability: Accept responsibility for own work performance.
- Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions.
- Negotiation: Negotiate with, convince, or influence others to take a course of action.
- Networking: Build networks of useful relationship necessary to achieve positive results.
- Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm.
- Results Oriented: Focus efforts and energy on successfully attaining clear outcomes.
WORK ENVIRONMENT:
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise. Travel is required to attend meetings/events and to meet with existing or prospective customers.
PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.
What We Offer
COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays.
COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve.
We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.
Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.
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