COMMERCIAL LOAN OFFICER

Stockman Bank Of Montana; Billings (MT); On-site; USD 90,000 - 120,000; Full time

Job summary

Stockman Bank Of Montana in Billings is seeking a Commercial Loan Officer to analyze, process and service commercial and agricultural loan requests while expanding client relationships in the community.

The role requires solid credit analysis, knowledge of loan programs including SBA, and the ability to price and structure loans. Strong customer service and teamwork are essential in supporting business growth and community involvement.

Qualifications

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

Responsibilities

• Analyze and approve commercial, agricultural and some consumer loan requests.
• Perform collateral inspections and evaluate operations through field checks.
• Develop new business by expanding relationships and calling on potential customers.
• Cross-sell bank products and represent the bank in community activities.
• Service commercial, agricultural, consumer, residential and credit card customers.
• Collect past due accounts and manage OREO; stay informed of SBA/FMHA/MBOI programs.
• Structure and price loan relationships and assist junior lenders.

Education

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

Commercial lending experience

Credit analysis

Collateral analysis

Loan pricing

Collections

Word, Excel and Access

Business development

Teamwork

Communication (verbal and written)

Tools

MS Word

MS Excel

MS 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

3 days ago Requisition ID: 4398

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