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COMMERCIAL LOAN OFFICER

Stockman Bank of Montana

Missoula, MTFull-timeNo compensation foundPosted 3mo agoSeen in employer's feed 3 days ago
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At a glance

Compensation
No compensation found
Location
Missoula, MT
Schedule
Full-time
Work Authorization
Not specified

Requirements

Credentials this posting asks for.

Bachelor's degree

Job overview

Stockman Bank of Montana is hiring a COMMERCIAL LOAN OFFICER. The Commercial Loan Officer processes and approves commercial, agricultural, and some consumer loan requests. This role involves inspecting and verifying collateral, evaluating operations through field inspections, and developing new business by expanding existing relationships and calling on potential customers. The officer will also cross-sell bank products and represent the bank in various community activities.

Key focus areas include Process and approve commercial, agricultural, and some consumer loan requests., Inspect and verify collateral and evaluate operations through field inspections., and Develop new business by expanding existing relationships and calling on potential customers..

Successful candidates bring Bachelor's Degree Business/Finance/Agricultural Business and 5+ Years Commercial Lending. Important skills include Exceptional Customer Service, Analyzing Credit Requests, Collateral Analysis, Proper Structuring Of Loans, Pricing Of Loans, and Collections. Preferred (not required): Analyze Credit Requests, Make Sound Credit Decisions, Adhere To Bank Policies And Procedures, and Collection Of Past Due Accounts.

Skills & qualifications

RequiredNice to have

Skills

Exceptional Customer ServiceAnalyzing Credit RequestsCollateral AnalysisProper Structuring of LoansPricing of LoansCollectionsMicrosoft WordExcelAccessBusiness DevelopmentWork IndependentlyTeam MemberProvide Information in Concise Verbal FormatsAnalyze Credit RequestsMake Sound Credit DecisionsDetailed Knowledge of Commercial Loan ProgramsAdhere to Bank Policies and ProceduresServicing Commercial CustomersServicing Ag CustomersServicing Consumer CustomersServicing Residential CustomersServicing Credit Card CustomersCollection of Past Due AccountsManagement of OREOKeep Informed of SBA Loan ProgramsProperly Structure Loan RelationshipsPrice Loan RelationshipsAssist Junior LendersAssist Loan ProcessorsPerform Field InspectionsPerform Business InspectionsVerify Adequacy of CollateralEvaluate General Management of OperationEvaluate Condition of OperationCredit Analyst Experience

Qualifications

Bachelor's Degree in Business, Finance, Agricultural Business or Equivalent Education/Work Experience5+ Years Commercial or Agricultural Lending Experience

Full job description

Officer Full-Time

Missoula, MT, US

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.

  • 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.

Preferred Qualifications:

  • 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:

  • 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.

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