Commercial Loan Officer

at First Security Bank in Stevensville, Montana, United States

Job Description

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.Participate 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.Monitor 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.Assist in collection of past due loans. Assist 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.ESSENTIAL FUNCTIONS:Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information.Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date.Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs.Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets:- Warm – Demonstrate warmth; be genuine and approachable- Engage – Engage with teammates and customers; be present in every interaction- Listen – Actively listen to employees and clients- Connect – Build relationships, connect with the community and teams- Opportunity – Seek out opportunities to serve others- Modify – Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate- Experience – Create a true experience for the client by providing exceptional customer service on their financial journeyMust be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers.Support Community Reinvestment Act (CRA) through business development efforts.Position performs other duties as needed/assigned. About You QUALIFICATIONS: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