Commerical Banker - First Western Bank & Trust

Position Overview
Develop new commercial loan business for First Western Bank & Trust through securing, structuring, and closing loans; maintain and service existing commercial lending portfolio.

Essential Job Functions

• Conduct sales calls and meet with prospective and existing customers to establish new loan business
• Represent the bank in local community at meetings and events to market the bank’s products and services
• Administer individual loan portfolio including commercial and other assigned loans
• Interview loan customers to determine lending needs
• Work with the Small Business Administration and Bank of North Dakota to qualify customers for participation lending programs
• Negotiate direct lending terms as well as collateral and payment structures
• Maintain customer relationships through regular communication and follow up contact
• Meet with customers to request information for loan applications, including appraisals, credit reports, background checks and other information needed for loan evaluation
• Compile financial information including income tax records, balance sheets and other data to create loan spreads
• Analyze applicant financial status and conduct collateral evaluations to make lending decisions
• Approve credits up to lending authority and prepare those credit requests that exceed lending authority for loan committee and/or Board approval
• Assemble and maintain complete loan files
• Conduct loan reviews on existing customers annually
• Collaborate with management on loan policies and procedures and make recommendations for improvement
• Participate in the bank’s loan committee
• Review loan reports to determine the status of payment and work with customers to collect outstanding balances
• Ensure documentation complies with bank policy as well as State and Federal Regulations
• Ensure compliance with banking laws, regulations and the Bank’s policies and procedures, including Bank Secrecy Act
• Maintain continuing education related to lending certification and compliance standards

Other Duties

• Conduct site visits and collateral inspections as necessary
• Other duties, responsibilities and activities may be assigned with or without notice

Qualifications

• Bachelor’s degree in business or finance related field
• Experience in bank lending, loan review, compliance or finance is required
• Strong understanding of financial statements and credit standards
• Knowledge of business management principles preferred

Skills/Abilities

• Excellent oral and written communications skills
• Demonstrate professionalism in working with the public and all levels of management
• Ability to define problems, facts and draw valid conclusions
• Strong analytical, problem solving and decision-making skills
• Computer proficiency, especially in Microsoft Excel

Here are instructions on how to apply:

1. Go to www.firstwestern.bank/careers/
2. Once on the Careers page, click the SEE JOB POSTINGS button. The open positions will be listed.
3. Select the position you want to apply and, once it opens, click the APPLY button at the bottom.