Commercial Lender - WY

Our work environment is fast-paced and requires team members to provide excellent customer service, be detail-oriented, to learn quickly and have strong organizational skills. Most importantly, we want our team members to have a positive attitude and enjoy their job and their co-workers.

Team members are expected to strongly support the Bank’s Strategic Plan, and to perform their job duties in accordance to and in the spirit of the Bank’s mission statement and Organizational Values.

Originate commercial loans and leases secured by various collateral including but not limited to real estate, equipment, and other business assets. Be an active participant in related business development activities primarily working with business clients and owners. Exhibit a thorough knowledge of lending requirements, business operations and real estate law.

Responsible for commercial real estate and other types of commercial loans, including acquisition and development loans, construction loans and lease products Basic knowledge and usage of the bank’s core operating system

Major Duties and Responsibilities

Review and evaluate information on loan documentation to determine if borrower, collateral, and loan conditions meet establishment and government standards 

Obtain and analyze financial and credit data

Discuss potential loan prices for prospective borrowers

Manage commercial loan portfolio, focusing on loan and deposit management

Responsible for past dues, loan collection and quarterly watch list reporting on their portfolio of commercial loans

Call on realtors, builders, businesses, and other professionals to develop contacts

Call on potential and existing customers to develop new business and retain existing business

Cross-sell bank products and services

Attend training and bank meetings to stay up to date

Participate in community service opportunities

Provide and promote exceptional customer service.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

EXPERIENCE

2-5 years of similar or related experience, including preparatory experience

EDUCATION/CERTIFICATIONS/LICENSES

A college degree is preferred but not required.

INTERPERSONAL SKILLS

The ability to motivate or influence inside or outside senior level executives is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogue, as well as a professional level of written communication skills are essential to the position.

OTHER SKILLS

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

Professionalism: Approaches others in a tactful manner; reacts well under pressure, treats others with respect and consideration regardless of their status or positions, accepts responsibility for own actions; follows through on commitments. Professional appearance and attire. Work area is organized with a professional atmosphere.

Teamwork: Balances team and individual responsibilities; contributes to building a positive team spirit; supports everyone’s efforts to succeed.

Mathematical Skills: Ability to calculate figures and amounts such as discounts, interest, commissions. Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals.

Reasoning Ability: Ability to apply common sense and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

ADA Requirements

PHYSICAL REQUIREMENTS

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 50 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions.

Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate the highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.

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