Business Banking Officer

Bravera-Bank; Albertville (MN); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive compensation package

Incentive compensation opportunities

Retirement plan with company match

Health insurance

Paid holidays

Paid time off (PTO)

Paid community volunteer time

Stock opportunities

Job summary

Bravera Bank in Albertville, MN seeks a Business Banking Officer to develop relationships with business clients, originate loans, and analyze credit quality. You will monitor loan performance, adhere to bank policies, and provide proactive financial solutions while ensuring regulatory compliance.

A strong emphasis is placed on customer service and collaboration with internal teams. The role requires a business-focused degree or equivalent experience, solid communication skills, and proficiency

Qualifications

• Bachelor’s degree in accounting, finance, economics, or other business-related field preferred, or equivalent combination with 3 years’ experience.
• Strong interpersonal and communication skills.
• Ability to analyze financial statements and assess creditworthiness.

Responsibilities

• Develop and maintain relationships with business clients and act as primary contact for financial services.
• Solicit, evaluate, and originate business loans within bank policies.
• Monitor loan performance and provide ongoing client support.
• Analyze asset quality and risk on loans and applications.
• Promote appropriate banking products based on client needs.
• Ensure compliance with banking regulations and maintain documentation.

Skills

Interpersonal skills

Communication

Credit analysis

MS Office

Education

Bachelor’s degree in accounting, finance, economics, or related field

Equivalent combination of education and 3 years’ relevant experience in business lending/banking

Job description

Bravera Bank is hiring for a Business Banking Officer in Albertville, MN. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.

This position is responsible for developing and maintaining relationships with business accounts. Will solicit and originate quality loans, deposits, and special products and services with customers.

PRIMARY DUTIES AND RESPONSIBILITIES:

• Develop and maintain strong relationships with new and existing business clients. Will serve as the primary point of contact for financial services and solutions.
• Solicit, evaluate, and originate business loans in accordance with bank policies and regulatory guidelines. Monitor loan performance and provide ongoing support to clients.
• Must fully understand loan policy and procedures and recommend enhancements, as needed.
• Maintain a lending portfolio, approving credit within approved lending authority. Must maintain appropriate and complete documentation and files, as necessary.
• Will analyze asset and repayment quality on existing loans and loan applications.
• Responsible for collection of delinquent loans.
• Make regular customer contact and conduct field inspections, financial analysis, and risk assessments, as needed.
• Recommend appropriate banking products and services, based on customer needs and financial analysis.
• Keep abreast of current industry trends, new programs, and regulations.
• Collaborate with internal teams to ensure seamless delivery of services and excellent customer service.
• Contribute to the overall success of the organization by leveraging opportunities as they relate to all entities of Bravera Holdings Corp.
• Must maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.
• Responsible for promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations.
• The employee will adhere to all banking rules and regulations, including but not limited to the requirements of the Bank Secrecy Act. In addition, the employee will be proactive in the prevention of illegal activities, will vigilantly look for activities that may constitute any type of fraud including money laundering, and will report any suspicious activity to the BSA Officer.

SUPERVISORY RESPONSIBILITIES:

None.

• Bachelor’s degree in accounting, finance, economics, or other business-related field preferred OR an equivalent combination of education and a minimum of three years’ relevant experience in business lending or banking.
• Strong interpersonal and communication skills.
• Ability to analyze financial statements and assess creditworthiness.
• Familiarity with business operations and seasonal financial cycles.
• Proficiency in Microsoft Office Suite.

Location

To support this, we provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time and stock opportunities. As a learning organization, we are committed to investing in the growth and development of our team members, offering training opportunities and tuition reimbursement.

Our Values

• Give and earn trust. We support and empower one another to earn trust through accountable performance.
• Learn, teach and mentor. We are a learning organization that invests in growth and development.
• Collaborate and innovate. We work together to drive continuous improvement to enhance your experience.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing or action, including an investigation conducted by the employer or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c).

Qualifications

Education

Preferred

Bachelors or better in Business Administration or related field.

Experience

Preferred

Related experience

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.