First Security Bank of Missoula · 2 hours ago
Commercial Loan Officer
Stevensville, MT
Full-time
Onsite
Mid, Senior Level
2+ years expFirst Security Bank of Missoula is seeking a Commercial Loan Officer to serve as a representative to banking clients needing commercial loan services. The role involves interviewing clients, performing credit analyses, and making underwriting decisions while ensuring compliance with banking regulations.
BankingFinancial ServicesSecurity
No H1B
Responsibilities
Meet or exceed loan production goal as set annually by manager in conjunction with goals set for First Security Bank annual production
Take applications for commercial loan business. Review customer financial condition and assess the customer’s ability to re-pay the loan. Makes underwriting decisions within approval authority. Complete or direct completion of all loan documents and closes loans
Confirm details on loan documentation are complete and correct prior to closing to ensure accuracy and are following state and federal regulations as well as bank policy
Participate in developing lending and deposit business for the company. Call on clients to expand existing business; call on prospects seeking opportunities to expand the company’s client base
Monitor existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation
Assist in collection of past due loans. Assist customers with any loan-related questions and concerns
Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures
Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of First Security Bank
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Maintain strict confidentiality of customer’s personal and financial information
Develop and improve skills through training programs and regular feedback discussions with supervisors which help further professional development. Participate in all training sessions and complete all assigned OnCourse compliance courses and achieve a passing score by due date
Adhere to First Security Bank’s core values; represent the bank in a professional manner which includes a professional image, confidentiality, positive ‘can-do’ attitude, good attendance, punctuality, flexibility, and adaptability in meeting internal and external customer needs
Display excellent customer service with both internal and external clients. Embody First Security Bank’s “Welcome” tenets: Warm - Demonstrate warmth; be genuine and approachable Engage - Engage with teammates and customers; be present in every interaction Listen - Actively listen to employees and clients Connect - Build relationships, connect with the community and teams Opportunity - Seek out opportunities to serve others Modify - Modify your approach to meet employees and clients where they are; style-flex and adapt as appropriate Experience - Create a true experience for the client by providing exceptional customer service on their financial journey
Must be capable of regular, reliable, and timely attendance to accomplish essential job functions including in-person contact with internal and external customers
Support Community Reinvestment Act (CRA) through business development efforts
Position performs other duties as needed/assigned
Qualification
Required
Commercial Lender II - Two to four years of similar or related experience
Commercial Lender III - Four to six years of similar or related experience
Commercial Lender IV - Six to eight years of similar or related experience
Senior Commercial Lender - Minimum eight years of similar or related experience
A bachelor's degree in finance or related field
Must possess current valid driver's license
Knowledge of banking compliance regulations and guidelines related to area of responsibility
Skills in areas related to computer operation/use including working knowledge of Microsoft applications and ability to learn new systems/applications
Ability to apply accounting, scheduling, and budgeting, measurement and calculation math skills associated with lending activities for purposes of data analysis
Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy
Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques
Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner
Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers
Teamwork: Demonstrate ability to work independently and as part of a team
Professionalism: Exhibit a professional manner in dealing with others
Ethical Behavior: Model high standard of honesty, integrity, trust, and openness
Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties
Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives
Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude
Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames
Judgment/Problem Solving: Display ability and willingness to make sound decisions
Individual Responsibility and Accountability: Accept responsibility for own work performance
Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation
Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result
Networking: Build networks of useful relationship necessary to achieve positive results
Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm and readiness to undertake or experiment to improve the organization
Results Oriented: Focus efforts and energy on successfully attaining clear, concrete, accurate, timely, and measurable outcomes of importance to the organization
Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise
Must be capable of up to 50% travel (e.g. 2 weeks or 10 days per month) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary
Must be capable of regular, reliable and timely attendance
Must be capable of climbing / descending stairs in an emergency situation
Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body
Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes
Benefits
Medical, dental, vision, and 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
Generous Paid Time Off (PTO) plan
Paid holidays
Company
First Security Bank of Missoula
First Security Bank of Missoula is a full-service bank in Montana.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Scott Burke
President and CEO
Company data provided by crunchbase