Commercial Banker II

Idaho First Bank • Boise, ID

128d

About The Position

The Commercial Banker II is responsible for soliciting, negotiating, underwriting and coordinating the closing of difficult commercial purpose loans, including but not limited to equipment, SBA, commercial construction and other business-oriented loans in compliance with the Bank’s lending policies and procedures. This position is responsible for a loan portfolio of over $25 million, and a combined portfolio (loan and deposits) over $50 million. They are responsible for developing most of their own business deposit relationships with customers and promote business for the Bank by maintaining strong customer relations and referring customers to appropriate departments for additional services. The position of Commercial Banker II meets personal, regional, and Bank goals, through active management of existing relationships and sales development efforts. Typically works on loans with complex loan structures. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Requirements

• Bachelor’s degree (BA) in Business or Finance and significant work experience in a commercial banking position; or the equivalent combination of education and experience in a related field.
• Advanced experience, knowledge and training in financial statement and tax return analysis.
• Advanced experience, knowledge, and training in all commercial lending activities.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.

Responsibilities

• Actively manages and grows a portfolio of commercial relationships with the overall objective of maintaining asset quality and maximizing profitability.
• Negotiates, underwrites and processes renewals of credit facilities.
• Reviews NSF and overdraft reports for customers within their portfolio; approves or declines such exceptions within established lending limits.
• Calls on potential or existing customers to develop new business and retain or increase existing business.
• Analyzes financial information and prepares credit memorandums with limited support.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests.
• Interviews prospective applicants and requests specified information related to loan or credit application.
• Ensures timely and thorough monitoring of all credits through periodic reviews, continual analysis, and ongoing communication.
• Gathers and analyzes all information necessary to approve a financing request.
• Negotiates prospect loan pricing and structure with input from manager or Sr. Management.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, and Adverse Action letters.
• Assesses credit risk and assigns risk rating for loans in portfolio.
• Acts as a liaison between customer and management team when difficulty with loan repayment is identified.
• Represents the Bank in various community, civic, and community functions.
• Identifies cross sale opportunities of the Bank’s other products and services.
• May provide training and mentorship to other lenders.
• Processes, solves, and answers complex customer transactions, problems or inquiries.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree
• Number of Employees: 11-50 employees