Business Banker

Dacotah Bank•Minot, ND

About The Position

Makes and services a wide variety of secured and unsecured business and individual loans. Interviews applicants to assess their businesses, needs, abilities, and earnings and determine loan risk. Makes loan and term decisions within established lending limits or recommends decisions to a supervisor, and participates with management on larger loans. Monitors loan status and compliance with loan terms, advises customers and prospective customers, and studies business, industrial, commercial, and financial situations. Provides recommendations on financial and organizational structure, locations, and related matters, and develops new and existing business through customer outreach. The role also contributes to the Bank’s commercial lending and leasing goals, policies, and operating plans; monitors lending effectiveness and portfolio performance; tracks market and regulatory developments; participates in loan collections; and supports business development and community engagement. The position requires adherence to Bank policies and applicable regulatory and governmental requirements.

Requirements

Bachelor’s degree from an accredited four-year college or university and at least 2 years of experience in community banking, or an equivalent combination of education and experience.
Strong interpersonal and relationship-building skills with colleagues, clients, and prospects.
Strong credit and analytical skills.
High attention to detail.
Highly developed communication skills, including the ability to write clear and concise credit correspondence.
Ability to independently and proactively manage relationships and effectively handle multiple priorities.
Ability to advocate persuasively.
Ability to learn and multitask efficiently.
Proficiency with technology, including MS Excel, MS Outlook, Moody’s underwriting, and Salesforce.

Responsibilities

Perform commercial lending duties in accordance with Bank policies and applicable regulatory and governmental requirements.
Help establish lending and leasing goals and, with approval, implement policies, programs, and operating plans that support Bank growth and profitability.
Contribute to the development of Bank goals, policies, and programs as requested.
Monitor and evaluate lending and leasing effectiveness against performance standards; identify problems and trends and develop corrective strategies.
Analyze portfolio performance and assess commercial lending policies and practices against return on investment and customer service goals and changing economic conditions.
Monitor market and regulatory developments, identify current and potential lending markets, and develop programs to address them.
Monitor collection efforts and assist with delinquent or seriously delinquent loans, including revised repayment terms or schedules.
Build and maintain relationships with local businesses and organizations; promote Bank lending services and participate in the Bank’s Calling Program.
Participate in business development and represent the Bank in industry, professional, community, and local business organizations.
Assist co-workers with customer inquiries and problems and ensure prompt, courteous responses.
Assist in setting goals for assigned areas and implementing them as needed.
Help develop manuals and supporting documentation for position duties.
Maintain professional expertise through relevant seminars, conferences, workshops, and involvement in professional, civic, and community groups.
Keep up with commercial loan market developments, identify lending opportunities, and help develop responses.
Recommend new or revised policies and procedures to improve efficiency and control.
Perform other duties as assigned and use government programs when deemed necessary to meet customers’ credit needs.