Senior Business Banker

Minnwest Corporation•St. Cloud, MN

23h•Onsite

About The Position

About Minnwest: Minnwest is a family owned, community bank based in Minnesota and South Dakota. We believe our success is measured by the extent in which we have a positive impact on the communities we serve. We are committed to building strong, vibrant communities through our core values: The customer is the first priority. We will keep all of the commitments we make. We are the people who get things done. We will work together as a team. Job Summary: Senior Business Bankers have a critical role in providing a knock-out customer experience and ensuring that our customers are our first priority. Sr. Commercial Bankers manage new, larger, and more complex commercial relationships, ensure the completions of annual reviews of large/complex/niche credits, and expand relationships to include Treasury Management services. You will provide leadership and develop the credit culture in unison with senior management. Sr. Business Bankers understand and support the Minnwest Bank strategic plan for future growth and profitability. It is imperative that you perform all job responsibilities according to compliance and audit requirements. May manage and supervise the commercial loan department, including commercial loan officers and loan support staff. You are the face of the bank to many of our customers. You hold an important role in developing strong and professional relationships with our customers and ensuring that Minnwest is the best bank in the market.

Requirements

Bachelor's degree (preferred field of Accounting, Finance, or Business)
10+ years commercial lending experience or equivalent combination of education and experience
Tax credit experience (ex. historic or affordable housing)
Effective experience in commercial banking that includes selling, credit underwriting, and leading other staff members
Action oriented: the ability to recognize and act on problems with a sense of urgency and enthusiasm
Ability to gather and analyze customer needs and feedback and propose customer-centric solutions to meet their needs
Build strong customer relationships and ability to build customer loyalty
Ability to analyze complex balance sheet, income statement ratios, and cash flow statements
Sales Prospecting, Planning and Organizational skills

Responsibilities

Primary focus on clients and prospects with annual revenues of $2MM to $20MM with complex deposit, cash management and credit needs. Responsible for reaching out to current and prospect customers to retain existing and develop additional accounts with the bank; know features of all bank loan and deposit products sufficiently to determine which products are best fits for current and prospect customer
Service existing loan portfolio according to bank policy. Manage all aspects of borrowing relationship, loan closings and ongoing customer communication.
Prepare and document loans in accordance with bank policies and legal and regulatory requirements. Fully understand the credit risks Minnwest finds acceptable and be able to select and structure credit so as to conform to those credit risks
Meaningfully present reviews to OLC and ELX discussions, able to address questions in loan committees, explain analysis and support findings
Maintain working knowledge of legal and regulatory aspects of commercial lending, including the UCC and bankruptcy laws, as well as core client groups and industry trends and developments

Benefits

Comprehensive Medical, Vision and Dental Insurance
Retirement savings including 401(k) with Employer Match and Employee Stock Ownership Plan (ESOP)
Paid Holidays and Competitive Paid Vacation Days
Paid Parental Leave
Short- and Long-Term Disability
Life, Critical Illness, and Accidental Insurance
Tuition Reimbursement and Career Development Opportunities
Employee Assistance Program (EAP)
Paid Time Off to volunteer in your community
Opportunities to connect with others through our diversity and inclusion focused Employee Resource Group