Falcon National Bank · 3 weeks ago
Business Banker, VP
Ham Lake, MN
Full-time
Onsite
Senior Level, Lead/Staff
$90K/yr - $140K/yr
10+ years expFalcon National Bank is dedicated to building life-long relationships with customers and communities. They are seeking a Business Banker, VP who will be responsible for soliciting, negotiating, underwriting, and coordinating the closing of business loans while developing business relationships and promoting the bank's services.
BankingFinanceFinancial Services
Responsibilities
Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services
Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information
Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends
Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Loan Committee of new loans and renewals
Coordinates processing of approved loans, ensures loans are processed according to agreement, customer needs and conforms to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements
Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
Advanced experience, knowledge and training in financial statement and tax return analysis, typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas
Negotiates, underwrites, and processes renewals of credit facilities
Approves loan payments, draws from lines of credit, and fund transfers within specified limits
Authorizes commitment, engagement, action and decline letters
Reinforces the application of superior customer service through his/her own example along with appropriate follow-through with involved customers and employees
Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities
Qualification
Required
10 - 15 years of experience in commercial lending experience or related finance experience required
4 years of post-secondary education, business or finance preferred
Experience, knowledge and training in all lending activities and terminology
Knowledge of commercial, construction, commercial real estate loan processing
Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures
Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies
Proven ability to develop marketing and business development skills with customers
Basic skills in computer terminal and personal computer operation, mainframe computer system, word processing and spreadsheet software
Proficient with Microsoft products and bank software to meet production needs of the position
Advanced math skills: calculate interest, commissions, proportions and percentages; balance accounts; add, subtract, multiply and divide in all units of measure using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs
Exceptional oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others; interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees
Ability to work with no supervision while performing duties
Current Minnesota driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities
The incumbent must be able to perform this position safely, without endangering the health or safety to him/herself or others
Preferred
4 years of post-secondary education, business or finance preferred
Benefits
401(k)
401(k) matching
Dental insurance
Flexible spending account
Health insurance
Health savings account
Paid time off
Professional development assistance
Referral program
Vision insurance
Volunteer time off
Company
Falcon National Bank
Falcon National Bank is a bank that specializes in business lending, equipment financing, health savings accounts, and business banking.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Steve Molander
Chief Technology Officer
Joe Bahen
Chief Financial Officer
Company data provided by crunchbase