Junior Business Banker

Are you ready to explore the industry of banking? As a Junior Business Banker with First Bank, you will learn and fundamentals of the banking industry including customer service, credit, and business development. This is a growth track opportunity with advancement into a Business Banker upon mastering the duties of the role.

To be successful in this position, you must have exceptional customer service skills, great communication skills and the ability to learn and understand complex concepts. A 2-year degree in business, finance or equivalent experience are required, however, a 4 -year degree in business, finance or a related field would be preferred.

Duties include:

Loan Origination & Customer Service:

• Provide high quality customer service to each customer.
• Gather needed information from customers to complete loan application process.
• Responsible for all aspects of loan origination includes underwriting and approval of loans within credit policy and personal credit approval limits.
• Review UCC filings, mortgages, and loan documents to ensure First Bank is in first lien position.
• Complete customer on-site visits and collateral inspections.
• Negotiate rates and terms of loans with customers and management within set guidelines.
• Submit loans for approval and discuss exceptions with authorized staff and Board of Directors as stated in the loan policy to ensure quality loans.
• Prepare and analyze cash flows and loan reviews and restricting, including performing annual reviews on selected accounts.
• Actively work to resolve exception items and delinquent loans within the loan portfolio.
• Using the NMLS Federal Register, responsible for registering, providing the unique identifying number assigned as required and maintaining registry at least annually.

Business Development:

• Generate new loan volume for the bank by soliciting new business relationships and deepening relationships with existing customers.
• Actively engage customers in banking relationship through customer visits, regular communication, etc.
• Responsible for referring customers to the bank's new accounts area for deposit relationships.
• Stay up to date with the economic conditions in business and agriculture.

Other:

• Flexibility in time availability as meetings with existing and prospective customer may occur outside of normal business hours.
• Responsible for ensuring high-quality customer service is provided to both internal and external customers.
• Active involvement in community and civic organizations, as appropriate to represent the Bank in the community.
• As part of the overall bank's team of employees, this position may be requested to assist in the support of other bank activities.
• Other duties as assigned.

First Bank is committed to our employees and customers. We believe our employees are our greatest resource and are fortunate to have quality employees who dedicate their time and effort to making First Bank a leader in our banking communities. To our team members we offer the following benefits: Health insurance, dental insurance, vision insurance, pre-tax flexible spending accounts, group term life insurance, dependent life insurance, short and long-term disability, 401k/ESOP with employer match, paid holidays, paid vacation time, paid sick time, and a wellness program.

Apply today!

EOE, including disability/vets