Scope of Job
Responsible for credit underwriting, monitoring, and portfolio management of Ag and Commercial Banking relationships to ensure strong credit quality and achieve efficient internal processes to retain and expand customer relationships. Primary performance responsibilities include analyzing financial data to determine the merits of loan requests, monitoring the performance of existing client relationships, and assisting in the management and organization of the loan portfolio.
Primary Duties
- Assist with the due diligence/analysis of new client relationships and opportunities as appropriate.
- Manage the renewal process by working with the BDO, the customer, and the credit administration department.
- Assist in the preparation of loan packages and participate in the bank's loan approval process.
- Manage the process for approving and closing modifications/amendments/waivers to existing credit agreements.
- Assist BDO in coordinating the loan closing process for new and existing loan relationships (i.e., working with both outside counsel and internal loan document preparation groups, reviewing loan documents, closing loans with customers as needed).
- Perform other administrative duties required for the maintenance of the loan portfolio (i.e., exception tracking, financial reporting, and covenant compliance).
- Ensure the portfolio administration and risk management of each customer relationship is in compliance with established BankWest credit policy, procedure, and business strategy as well as regulatory guidelines.
- Partner with the BOO as the point of contact for existing and prospective customers; acting as a liaison to the Credit Administration Department and other internal support areas.
- Monitor loan repayment activities and financial condition of borrowers and take necessary action to collect past due accounts.
Secondary Duties
- Work as a team with departmental counterparts on planning and implementing assigned projects and products.
- Participate on various committees and project teams as deemed appropriate by management.
- Attend, actively participate in organization, job-specific training offered, and Quality Service programs.
- Adhere to all applicable Policies and Procedures of BankWest organization. Community involvement is strongly encouraged.
- Other duties as assigned.
Requirements
Education: A Bachelor's Degree in a related field.
Experience: 3 years' experience in a related field. Experience in credit/financial analysis. Expertise in the management of large, complex credit relationships, collateral mix, and credit enhancements. An in-depth knowledge of Commercial/Ag Lending including all underwriting, analysis of financial statements, tax returns, and cash flows.
Special Skills:
- Ability to work dependently and/or independently, under pressure, meet deadlines, and adjust work schedules as needed to complete job responsibilities.
- Excellent credit/financial analytical skills.
- Ability to organize and handle multiple responsibilities while delivering quality external and/or internal Customer Service.
- Strong interpersonal skills to ensure effective communication with external and/or internal customers.
- Knowledge or ability to learn regulatory requirements pertinent to performance of specified duties in job description.
- Knowledge of banking terminology and procedures.
- Ability to skillfully use a variety of application software, learn computer programs, and comprehend the program output.
- Adhere to Federal Privacy Standards in addition to following BankWest requirements for electronic communication and Social Engineering standards.
- BankWest is a "Sales Organization" and all employees are expected to participate directly or indirectly with increasing BankWest's presence in their markets as appropriate.
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