Commercial Loan Officer

The Chronicle of Higher Education; Missoula (MT); On-site; USD 70,000 - 90,000; Full time

Job summary

Talentify in Missoula, Montana seeks a seasoned credit professional to analyze, process and service commercial and agricultural loan portfolios. The role emphasizes developing new business relationships and evaluating collateral, with a strong focus on sound credit decisions.

The position requires deep knowledge of credit requests, loan structuring, pricing and collections, along with proficient MS Word/Excel/Access skills and the ability to work independently or as part of a team.

Qualifications

• Strong commitment to providing exceptional customer service.
• Bachelor's degree in business, finance, agricultural business or equivalent education/work experience.
• A minimum of 5+ years previous commercial or agricultural lending 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.

Responsibilities

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

Skills

Customer service

Credit analysis

Business development

Independent & team work

Verbal & written communication

Education

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

Tools

Word

Excel

Access

Job description

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:

1. Strong commitment to providing exceptional customer service.
2. Bachelor's degree in business, finance, agricultural business or equivalent education/work experience.
3. A minimum of 5+ years previous commercial or agricultural lending experience.
4. Strong knowledge of analyzing credit requests, collateral analysis, proper structuring and pricing of loans and collections.
5. Working knowledge of Word, Excel and Access.
6. Proven ability for business development.
7. Ability to work independently and as a team member.
8. Demonstrated ability to provide information in concise verbal and written formats.

Preferred Qualifications:

1. Previous Credit Analyst 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:

1. Ability to analyze credit requests and make sound credit decisions in a timely manner.
2. Detailed knowledge of commercial, ag, consumer, residential (secondary market), and credit card loan programs. Adhere to Bank policies and procedures.
3. Servicing of commercial, ag, consumer, residential and credit card customers.
4. Collection of past due accounts; management of OREO, etc.
5. Keep informed of SBA, FMHA, and MBOI loan programs.
6. Ability to properly structure and price loan relationships.
7. Jointly responsible with other officers to assist all junior lenders and loan processors.
8. 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.