VP/Commercial Banker

Bell Bank•Alexandria, MN

13d

About The Position

This position requires technical skills in underwriting, documenting, and administering commercial loans of various sizes. Business development is a key component, with the expectation to actively solicit new loan relationships in line with the Bank’s loan policy. Candidates typically have at least three years of experience as a Commercial Loan Officer or Credit Officer.

Requirements

B.A. in accounting, finance, business administration or related field.
At least three years of direct commercial lending experience.
Experience in marketing to mid-market companies.
Working knowledge of loan documentation.
Above-average written and communication skills.
Proficiency with computer technology.
Ability to deal with multiple tasks and deadlines.
Effective time management and organizational skills.

Nice To Haves

A combination of analyst and underwriting experience is preferred.

Responsibilities

Interview prospective small, midlevel and large business loan customers to determine the nature and feasibility of credit requests.
Analyze financial data to assess creditworthiness and the merits of loan requests.
Establish and negotiate loan terms, including costs, repayment methods, and collateral requirements.
Assist in preparing Loan Committee Presentations and supporting documentation according to loan policy standards.
Present loans exceeding individual lending authority to the Loan Committee and serve as a voting member.
Provide guidance to staff in preparing loan documentation.
Monitor booked credit facilities, assessing financial information and borrowing base reports.
Assist in collecting past due loan payments and resolving file exceptions.
Administer problem credits by implementing agreed-upon workout strategies.
Actively engage in business development, including ongoing contact with existing commercial customers.
Actively participate in community and civic affairs.
Build relationships with customers and employees by knowing them by name.
Adhere to company service standards and values.
Conduct activities consistent with company policies, procedures, systems, employee conduct policies, the Bank Secrecy Act, and applicable laws and regulations.
Ensure information security and compliance with related policies.
Maintain prompt and reliable attendance.
Perform other duties as assigned.