Western Security Bank · 14 hours ago
Commercial Lender
Billings, MT
Full-time
Onsite
Senior Level
6+ years expWestern Security Bank is hiring an experienced Commercial Lender to support their Commercial Loan Department. The role involves building relationships, analyzing financials, and making lending decisions while contributing to the bank's growth and profitability.
Information Technology
No H1B
Responsibilities
Create and/or maintain a targeted portfolio size up to $20M
Meet or exceed loan production goals
This professional and administrative position is responsible for approving or denying credit to commercial customers
Through business develop measures will identify and develop profitable relationships with new and existing customers
Will obtain loan application, interview customer, collect and analyze financial to determine credit worthiness, appropriate pricing, loan structure while focusing on prompt and fair service regardless of approval or denial
Will be required to ensure accuracy on loan documentation. Will ensure loan documentation is complete and accurate prior to loan closing and are in compliance with state and federal regulations, bank policy and compliance regulations
Will monitor loan delinquency and proactively identify credit problems. Take preemptive measures by managing loan accounts for current documentation, performance, and total bank relationship. Respond promptly to exception and compliance error reporting to prevent or minimize potential losses
Will be required to keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of commercial training sessions
Will be responsible for proper and timely disclosure requirements and ensure that appropriate disclosures are completed within Federal Time Limitations
Identify and develop profitable relationships with potential new customers by participating in civic and community activities
Maintain an ongoing relationship with existing customer base. Be proactive in identifying potential business opportunities outside the Commercial Department and refer to appropriate department or officer
Maintains a working knowledge of all bank products and services
Maintains an aggressive customer call schedule
Participates in Community Service and Bank-sponsored activities that serve and support the mission and values of Western Security Bank
Provides superior internal and external customer service. Must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers
Represents Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive attitude, flexibility and adaptability in meeting Bank and customer needs
All employees are accountable for compliance with applicable laws and regulations when performing their job duties. Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control
Adhere to and model Western Security Bank Company Mission and Vision Statement, Core Values and Service Principles
Keeps management appropriately informed of area activities and of any significant problems
Participate in Community Service and Bank sponsored activities that serve and support the mission and values of Western Security Bank
Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel)
Complete required bank and OnCourse training courses within assigned time frame(s)
Represent Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required
Additional duties as requested or assigned
Qualification
Required
High School degree or equivalent required
Minimum of 6 years Commercial/Credit experience
Strong interpersonal communications skills including customer service orientation and strong listening skills
Excellent interpersonal communications skills including customer service orientation and strong listening skills
Performs complex banking tasks that require logical or scientific thinking to define problems, collect data, establish facts, and solve or draw conclusions
Leads and directs the work of other employees
Has authority for personnel decisions and may have an impact of departmental budgeting, planning, procedural changes
Strong written and verbal communication skills
Strong analytical and attention to detail skills
Ability to work well under pressure with a high degree of attention to detail
Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment
Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience
Mathematics and reasoning are constantly used/required on the job
Memory and estimating are frequently used/required on the job
Problem solving and exercising judgment are frequently used/required on the job
Ability to define problems, collect data, establish facts, and draw valid conclusions
Preferred
Bachelor's degree in Business, Finance or any related degree from a four-year college or university preferred
Benefits
Medical
Dental
Vision
Life insurance
Health savings account option
Employee Assistance Program (EAP)
Health rewards program
Retirement savings plan, including 401(k) and Profit-Sharing plans
Short and long-term disability benefits
Education and training benefits
Discounts on banking products and services
Paid Time Off (PTO) plan
Paid holidays
Company
Western Security Bank
Western Security Bank is a Montana-based hometown banking service provider.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Jerry Simonson
Senior Vice President, Chief Credit Officer
Company data provided by crunchbase