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First National Bank Alaska · 3 days ago

Loan Officer II - UMed Lending Team

Anchorage, AK, US

Full-time

Onsite

Mid, Senior Level

4+ years exp

First National Bank Alaska is recognized as the Best Place to Work in Alaska and is looking to add a Loan Officer to their UMed Lending Team. The role involves developing and maintaining banking relationships, analyzing customers' needs, managing loan portfolios, ensuring compliance, and representing the bank in the community.

Banking

Responsibilities

Analyzes existing and potential customers' banking needs, earnings, and financial conditions to determine which bank products are most appropriate, and to assess acceptable risk; approves/denies or recommends approval/denial within lending authority

Provides advice and service to existing customers and generates new business by calling on prospective customers regarding the establishment of banking relationships

Manages existing loan portfolio, including the monitoring and collection of loan payments; modifies or extends loan terms or structure to protect bank's interest when required. Minimizes bank losses and exposure to losses

Follows existing lending procedures and ensures lending compliance of loan portfolio with bank and regulatory procedures, policies, and requirements, and takes corrective action when non-compliance is identified

Represents the bank in the community in order to identify, develop and promote additional business

Keeps informed about the banking industry and all bank products. Maintains awareness of competitors' products and the bank's advantage

Assists in training less experienced loan officers on lending procedures, policies, and regulations, and recommends improvements to procedures and provides functional guidance as needed

May supervise employees at local or out-of-town locations as business needs dictate

Performs other work-related duties as assigned by supervisor

Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads)

Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time

Stay updated on relevant laws and regulations

Ensure you and your delegates comply with the bank’s policies, procedures, laws, and regulations

Maintain customer confidence and protect the bank’s operations by identifying and protecting confidential information

May supervise employees. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and making recommendations regarding the hiring and terminating of employees

Qualification

Commercial lendingReal estate lendingConsumer lendingSupervisory experienceWord processing softwareSpreadsheet softwareMathematical skillsProblem-solvingCommunication skillsTime management

Required

Bachelor's degree in business, accounting, finance, marketing, or related field

Four years' commercial, real estate, or consumer lending related experience; or six years' commercial, real estate, and/or consumer lending related experience; or equivalent combination of education/training and experience

Word processing and spreadsheet software experience required

Ability to handle highly confidential information, frequent deadlines, and time constraints required

Ability to read, analyze, and interpret common technical journals, financial reports, and legal documents

Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community

Ability to write speeches and articles for publication that conform to the prescribed style and format

Ability to effectively present information to top management and the public

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry

Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations

Ability to define problems, collect data, establish facts, draw valid conclusions, and make decisions based on those conclusions

Ability to interpret an extensive variety of technical instructions in, mathematical or diagram form and deal with several abstract variables

Must be willing to relocate to branches statewide