Commercial Lender

Gbcijobs; Town of Montana (WI); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, dental, vision, and life ins.

401(k) and profit-sharing

Generous PTO and paid holidays

Job summary

First Bank of Montana is seeking an Ag/Commercial Lender to join our Chinook, Montana location. The role involves underwriting and managing a loan portfolio, building strong relationships with agricultural and commercial customers, and contributing to community engagement through bank-sponsored activities.

The ideal candidate will have lending experience, solid customer service skills, and the ability to collaborate in a team environment.

Qualifications

• High School diploma or equivalent.
• Bachelor's degree in business, finance or related field preferred.
• One year lending experience and/or training.
• One year sales and customer service experience preferred.
• One year banking experience preferred.

Responsibilities

• Maintain working knowledge of all bank products and services.
• Grow in-house loan portfolio.
• Identify and develop profitable relationships with potential new customers, maintaining an aggressive call schedule.
• Cross-sell bank products and refer customers, when appropriate, to other departments or affiliate banks.
• Assist in identifying and implementing new products and services.
• Participate in market analysis of competitors’ rates and make recommendations based on findings.
• Develop and maintain profitable relationships with new and existing customers.
• Obtain loan applications, counsel applicants, analyze financial data, determine pricing and loan structure, and make appropriate loan decisions according to bank policies and procedures.
• Maintain high service standards for all customers, working closely with First Bank of Montana managers and staff.
• Review all credit reports, financial statements, tax returns, title insurance commitments, and appraisals to ensure documentation is complete and correct.
• Monitor and act appropriately on past-due loans to ensure compliance with bank policies, procedures, and goals.

Skills

Credit analysis

Strong communication (verbal & written

Education

High School diploma or equivalent

Bachelor's degree in business/finance or related field

Tools

Microsoft Office (Word/Excel/Outlook)

Job description

About The Role

First Bank of Montana is hiring an Ag/Commercial Lender to be an integral part of our team in our Chinook, Montana location. This role involves making commercial and agricultural loans and requires a positive attitude, great customer service skills, and the ability to work in a team atmosphere. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must.

Duties and Responsibilities

The successful candidate will have extensive contact with customers, vendors, the general public, and bank staff and will conduct themselves in a manner that enhances the overall efficiency and image of the bank. They must build and maintain a loan portfolio, act as a liaison between the bank and its customers, and participate in community and bank-sponsored activities. Familiarity with agricultural production is a must.

Must comply with applicable laws and regulations, including the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by the due date.

Responsible for maintaining loan quality in compliance with bank policy and procedures, underwriting standards, and documentation requirements.

Loan Officer Essential Functions

• Maintain working knowledge of all bank products and services.
• Grow in-house loan portfolio.
• Identify and develop profitable relationships with potential new customers, maintaining an aggressive call schedule.
• Cross-sell bank products and refer customers, when appropriate, to other departments or affiliate banks.
• Assist in identifying and implementing new products and services.
• Participate in market analysis of competitors’ rates and make recommendations based on findings.
• Develop and maintain profitable relationships with new and existing customers.
• Obtain loan applications, counsel applicants, analyze financial data, determine pricing and loan structure, and make appropriate loan decisions according to bank policies and procedures.
• Maintain high service standards for all customers, working closely with First Bank of Montana managers and staff.
• Review all credit reports, financial statements, tax returns, title insurance commitments, and appraisals to ensure documentation is complete and correct.
• Monitor and act appropriately on past-due loans to ensure compliance with bank policies, procedures, and goals.
• Maintain current awareness of legal and regulatory developments and guidelines, and knowledge of applicable laws and regulations related to compliance for the bank.

Other Job Functions

• Perform job functions in compliance with all company policies, procedures, federal and state rules and regulations applicable to the position.
• Keep management appropriately informed of area activities and significant problems.
• Participate in community service and bank-sponsored activities that serve and support the mission and values of First Bank of Montana.
• Provide superior internal and external customer service, demonstrating self-governance, courtesy, and respect toward all customers.
• Represent First Bank of Montana professionally, with a positive “can-do” attitude, punctuality, flexibility, and adaptability; keep work area tidy and maintain customer privacy.
• Attend and participate in required meetings.
• Maintain regular and predictable attendance for in-person contact with customers.
• Additional duties as requested or assigned.

About You

Qualifications

• High School diploma or equivalent.
• Bachelor's degree in business, finance or related field preferred.
• One year lending experience and/or training.
• One year sales and customer service experience preferred.
• One year banking experience preferred.

Knowledge, Skill, Ability

• Ability to work quickly and accurately.
• Ability to understand and follow written and oral instructions.
• General understanding of the field of agriculture.
• Strong verbal and written communication skills.
• Good working knowledge of Microsoft Office applications (Word, Excel, Outlook) and the ability to learn new systems.
• Credit analysis ability.

Work Environment

Must be able to routinely perform work indoors in a climate-controlled shared work area with minimal noise.

Physical Demands

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the job. Duties include sitting, using hands for repetitive motions, talking and hearing. Occasional standing, walking, and lifting or reaching may be required. Ability to operate routine office equipment, including computers, telephones, copiers, and calculators, is necessary. Must be able to work extended hours or travel off-site when required. Must have regular, reliable attendance and be able to climb or descend stairs in an emergency.

What We Offer

Compensation & Benefits

Starting salary depends on experience and may vary by geographic location. We offer an extensive benefits package that includes medical, dental, vision, and life insurance, a health savings account, an Employee Assistance Program, a health rewards program, a retirement savings plan (401(k) and profit-sharing), short and long-term disability benefits, education and training benefits, and discounts on banking products. A generous Paid Time Off (PTO) plan and paid holidays are also provided. Please visit our website for more details.

We are an Equal Opportunity Employer. Qualified applicants or employees will receive consideration 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 U.S.

No recruiters or unsolicited agency referrals, please.