About The Role
Seeking an EXPERIENCED, TALENTED and ENTHUSIASTIC individual, who is goal
oriented to join our Commercial Lending Team in Grand Junction, CO! This
is a Professional and Administrative position primarily involving approving or
denying credit to customers. Soliciting new business and coordinating
internal function to establish the ability to meet customer needs. This
position will build a thorough profile for each customer and maintain frequent
personal, phone or email contact in an effort resulting in quality growth of
loan and deposit accounts. Must thoroughly understand relevant legal
parameters, internal policy and procedures, FDIC guidance, applicable
accounting issues and the administrative processes involved in choosing a
proper course of action while adhering to and exemplifying our Core Values:
Honesty and Integrity, Service to the Customer, Teamwork, Respect for
the Individual and Giving to the Communities We Serve. This position also
mentor's and assist Commercial Lenders I & II, and will receive voting
authority in Loan Committee and have higher lending authorities.
The entry rate for this position is $119,000-$132,000 per year. All
compensation offers are analyzed individually and take into consideration
multiple factors including but not limited to geographic location, years of
experience, and educational background.
Bank Happy. Work Happy. Right Here.
DUTIES AND RESPONSIBILITIES:
Interviews loan applicant and requests necessary information required to
complete the loan application process.
Requests applicant credit reports, background checks, reference checks,
and other information pertinent to loan applicant's evaluation.
Analyzes applicant financial status, credit, and property evaluation to
determine feasibility of granting loan.
Corresponds with or interviews applicant and/or creditors to resolve
questions regarding application information.
Compiles loan package, submits to loan committee for approval when
appropriate, and facilitates negotiation of loan structure, with
applicant, including fees, loan repayment options and other credit terms.
Approves loan within specified limits or refers loan to loan committee for
approval.
Ensures loan agreements are complete and accurate according to policy.
Assures timely loan closing and funding activities.
Identifies and analyzes potential loan markets to develop prospects for
commercial loans.
Responsible for management of individual loan portfolio including all
collection and work out activities.
Monitors existing loan portfolio to maintain a high-quality asset base.
Maintains up-to-date client files including current balance sheets, profit
& loss statements, cash flow projections and all loan documentation.
Insure delinquent loans in your loan portfolio over 30 days do not exceed 1%
of the portfolio.
Adheres to policies and procedures and makes proactive business decisions that
limit the organization's financial, regulatory, legal and reputational
risks. Risk and compliance accountability in the employee's purview is
strong; adverse findings in audit, compliance, regulatory, quality
control, loan and other reviews are minimal.
CA Forms and Document Checklists are accurately completed at time of loan
origination. CRA Assessment Forms are accurately completed and in file.
Adverse Action Forms are accurately completed and in file and are delivered in
a time compliant manner. Based on loan origination type, all applicable
early disclosures are delivered in a time compliant manner. Audit and reviews
of the department are rated satisfactorily for compliance.
Timely and accurate completion of credit risk rating and non-accrual decisions
initiated by the officer. Problem Loan Reports are to be completed accurately
and in compliance with GBCI Loan Policy. All assigned loans are properly risk
rated in compliance with GBCI credit policy. Loan files are to be kept up to
date and all technical and ile exceptions are to be cleared in an appropriate
manner.
Participates in developing lending and deposit business for the company. Calls
on clients to expand existing business; calls on prospects seeking
opportunities to expand the company's client base.
Provides loan data to support marketing and sales promotion programs.
Participated in company-sponsored and CRA activities that serve to support the
mission and values of the organization, or devote time to an outside
organization that respectably represents involvement of our staff members in
the community and establishes a valuable partnership with our company.
Actively seek out and pursue CRA eligible loans for BSJ.
Additional Responsibilities
Must comply with applicable laws and regulations, including but not limited
to, the Bank Secrecy Act, the Patriot Act and the Office of Foreign Assets
Control.
Adhere to Company Core Values.
Keeps management appropriately informed of area activities and of any
significant problems.
Participate in Community Service and Bank sponsored activities that serve and
support the mission and values of the Bank.
Provide superior internal and external customer service: must demonstrate
self-governance, courtesy and respect toward external customers as well as
internal customers (all organization personnel).
Complete required bank and BVS training courses within assigned time frame(s).
Represent Bank in a professional manner which includes a
professional image, confidentiality, a positive "can-do" attitude,
good attendance, punctuality, flexibility and adaptability in meeting bank
and customer needs. Keep work area tidy and maintain customer privacy.
Attends and participates in meetings as required.
Additional duties as requested or assigned.
About You
QUALIFICATIONS:
A Bachelor's Degree in Business with an emphasis in finance or accounting or
equivalent combination of education and experience is required