COMMERCIAL LOAN OFFICER

Stockman-Bank-of-Montan; Billings (MT); On-site; USD 70,000 - 100,000; Full time

Job summary

Stockman-Bank-of-Montan seeks a Commercial Loan Officer in Billings to analyze, process and service commercial and agricultural loans, plus select consumer loans. The role emphasizes credit analysis, collateral review, and proper loan structuring and pricing, with a goal of growing the bank's relationships.

The ideal candidate has a bachelor's degree or equivalent experience, 2–5 years in commercial lending, and a strong commitment to customer service.

Qualifications

• Bachelor's degree or equivalent education/work experience.
• Strong knowledge of analyzing credit requests, collateral analysis, and pricing.

Responsibilities

• Analyze and process commercial, agricultural, and some consumer loan requests.
• Manage servicing of loans and collateral.
• Perform field inspections and verify collateral.
• Develop new business relationships and cross-sell bank products.
• Represent the bank in community activities.

Skills

Customer service

Credit analysis

Collateral analysis

Loan structuring

Loan pricing

Word

Excel

Access

Business development

Independent work

Team collaboration

Communication

Education

Bachelor's degree in business/finance/agricultural business or equivalent education/work experience

Tools

Word

Excel

Access

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

COMMERCIAL LOAN OFFICER

1 Attachments

Position General Responsibilities:

Process and approved commercial, agricultural and some consumer loan requests. Inspections and verification of collateral and evaluation of operations through field inspections. Development of new business by expanding existing relationships and calling on potential customers. Cross sell Bank products. Represent the Bank in various community activities.

Education, Experience and Certification Requirements:

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Basic Qualifications:

• Strong commitment to providing exceptional customer service.
• Bachelor's degree in business, finance, agricultural business or equivalent education/work experience.
• Strong knowledge of analyzing credit requests, collateral analysis, proper structuring and pricing of loans and collections.
• Working knowledge of Word, Excel and Access.
• Proven ability for business development.
• Ability to work independently and as a team member.
• Demonstrated ability to provide information in concise verbal and written formats.

Preferred Qualifications:

• 2-5 years previous commercial lending experience

Dimension of Job:

This position will be responsible for analyzing, processing and servicing existing and future commercial, agriculture and some consumer loans. This professional will work within the community to expand business relationships with existing customers and develop new business referral sources through a strong community involvement.

Position Specific Responsibilities, Duties and Competencies
Commercial and Agriculture Loan Functions:

• Ability to analyze credit requests and make sound credit decisions in a timely manner.
• Detailed knowledge of commercial, ag, consumer, residential (secondary market), and credit card loan programs. Adhere to Bank policies and procedures.
• Servicing of commercial, ag, consumer, residential and credit card customers.
• Collection of past due accounts; management of OREO, etc.
• Keep informed of SBA, FMHA, and MBOI loan programs.
• Ability to properly structure and price loan relationships.
• Jointly responsible with other officers to assist all junior lenders and loan processors.
• Perform field and/or business inspections of existing and potential loan customers to verify the adequacy of collateral securing the credit, as well as to evaluate the general management and condition of the operation.

For full description, which includes physical mental demands please see attachment.

Attachments (1)

Commercial Loan Officer Billings Shiloh.pdf