Commercial Lender

Glacier Bancorp, Inc.•Idaho Falls, ID

5d•Onsite

About The Position

The Commercial Lender contributes to the department’s growth and profitability, with an extensive focus on business development. The role develops and retains commercial business relationships by meeting customers’ financial services needs and manages a portfolio of commercial banking relationships. The position involves extensive contact with customers, vendors, the public, and bank staff, and requires professional, courteous conduct that supports the bank’s efficiency and image. The employee must work in person and on site during regular business hours. The role includes originating and evaluating commercial loan requests, assessing creditworthiness and loan structure, ensuring loan files and documentation are accurate and compliant, monitoring portfolio performance and delinquency, and responding promptly to exceptions and compliance errors. The Commercial Lender also supports loan processing, commercial training, reporting, customer service, bank-sponsored community activities, and compliance with applicable laws, regulations, and bank policies. The position is performed indoors in a climate-controlled shared work area with moderate noise. It involves routine office and computer work, including an average of 6–8 hours per day at a computer when necessary. Extended hours or off-site travel may be required when requested by management.

Requirements

High school diploma or equivalent required.
Minimum five years of commercial lending experience preferred.
Strong attention to detail and organizational skills for work in a fast-paced environment.
Ability to prioritize and organize a heavy workload and manage time effectively.
Professional conduct, courtesy, customer-service skills, and tact in a fast-paced, deadline-oriented environment.
Ability to work quickly and accurately under pressure, meet competing deadlines, and make decisions based on regulations, company policies, knowledge, and experience.
Ability to work independently and as part of a team.
Ability to understand and follow complex written and oral instructions.
Effective verbal and written communication skills.
Basic computer skills.
Ability to routinely work indoors in a climate-controlled shared work area with moderate noise.
Ability to sit; use hands repetitively to finger, grasp, handle, or feel; and talk or hear frequently; and to stand, walk, and lift or reach with hands and arms occasionally.
Ability to operate routine office equipment, including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Ability to work on a computer for an average of 6–8 hours per day when necessary.
Ability to work extended hours or travel off site when required or requested by management.
Ability to climb and descend stairs in an emergency.
Close visual acuity for preparing and analyzing data, transcribing, viewing a computer terminal, reading extensively, and inspecting small defects or parts or using measurement devices at close range.
Regular, reliable, and timely attendance.
Must be legally authorized to work in the United States; the employer does not sponsor work visas.

Nice To Haves

Bachelor’s degree preferred.
Commercial lending experience of at least five years preferred.

Responsibilities

Meet or exceed annual loan production goals set by the manager and department.
Obtain loan applications and interview clients; analyze financial and related information to assess creditworthiness, pricing, and loan structure while providing prompt and fair service.
Review loan documentation and supporting materials for completeness, accuracy, and compliance before closing.
Monitor loan delinquency and identify potential credit problems proactively.
Manage loan accounts for current documentation, performance, and the overall bank relationship.
Respond promptly to exception and compliance-error reporting to prevent or minimize potential losses.
Stay current on loan programs, federal and state lending regulations, compliance requirements, and bank policies and procedures.
Participate in preparing and presenting commercial training sessions.
Respond to new loan requests in a timely manner by approving or declining requests within lending limits, or submitting recommendations to the loan committee.
Assist with processing requests from other CCB commercial lenders as needed.
Communicate with the Commercial Loan Manager, share and accept ideas, promote teamwork, and adapt to change while maintaining a positive attitude.
Prepare month-end reporting requirements on time.
Complete assigned online training courses and pass by their due dates.
Maintain regular, predictable, on-site attendance during standard business hours.
Participate in community service and bank-sponsored activities that support CCB’s mission and values.
Provide courteous, respectful, and superior service to internal and external customers.
Comply with company policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements.
Represent the bank professionally, including maintaining confidentiality, a positive attitude, punctuality, flexibility, and adaptability to bank and customer needs.
Perform additional duties as requested or assigned.

Benefits

Medical, dental, vision, and life insurance for employees and eligible dependents, subject to plan documents.
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.
Paid Time Off (PTO) plan.
Paid holidays.