Strategic Commercial Lending Lead

Opportunitybank; Montana; On-site; USD 65,000 - 100,000; Full time

Job summary

Opportunity Bank of Montana is seeking a loan professional to originate, structure and manage a diverse portfolio of commercial, agricultural, and consumer loans. You will interview applicants, negotiate terms, and ensure compliance with lending policies.

The role requires a high school diploma, plus a 4-year college degree with experience or equivalent; sales experience and knowledge of SBA and FSA programs are preferred. Equal opportunity employer and community involvement are emphasized.

Qualifications

• High school diploma or equivalent.
• 4-year college degree (accounting, business, finance, management or related) and 2 years relevant experience - or equivalent combination of education & experience.
• Sales experience.
• Extensive knowledge of loan guidelines, products and services.
• Knowledge of SBA guaranteed and rural development B&I loan programs, FSA loan programs.

Responsibilities

• Actively participate in new business development program.
• Interview applicants for commercial, Ag and consumer loans and negotiate credit terms such as costs, loan repayment methods and collateral specifications.
• Structure and analyze new and renewed loan requests and make loans within lending authority.
• Close loans, complete file documentation, and maintain files.
• Manage all aspects of an assigned portfolio of loans and relationships. Monitor compliance with loan policies and appropriate regulations.
• Collect past due loans or work with Loss Mitigation staff in collection of delinquent accounts.
• Send financial statements to credit analysts for spreading and analysis.
• Handle customer service matters and inquiries for lending and non-lending issues. Advise and assist commercial loan staff with resolutions for customers with difficult issues.
• Provide informal training and guidance for less experienced lenders.
• Participate in community activities and organizations.
• Cross sell all company products and services; refer appropriate banking opportunities to other departments and personnel.
• Serve as member of the Bank’s Officer Loan Committee and participate in other ad hoc committee activities.
• Manage technical and policy exceptions.
• Perform other related duties as assigned.

Job description

Opportunity Bank of Montana is seeking a loan professional to originate, structure and manage a diverse portfolio of commercial, agricultural, and consumer loans. You will interview applicants, negotiate terms, and ensure compliance with lending policies.

The role requires a high school diploma, plus a 4-year college degree with experience or equivalent; sales experience and knowledge of SBA and FSA programs are preferred. Equal opportunity employer and community involvement are emphasized.