Commercial Lender II

Glacier Bancorp, Inc.•Afton, WY

About The Position

This is a Professional and Administrative position that primarily involves originating, managing, and supervising the Bank's portfolio of Commercial loans of typically $15MM – $30MM, with an overall objective of maintaining and increasing its asset quality. This person will be responsible for approving or denying credit, soliciting new business, and coordinating internal functions 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 to ensure 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: Embrace Responsibility, Execute with Excellence, Pursue Growth & Learning, Thrive Together.

Requirements

2 - 4 years of similar or related experience, including preparatory experience required
Bachelor’s degree in banking, finance, business, or related field is required
Recent banking experience strongly preferred
An equivalent combination of education, training and experience may be considered
Strong ability to solve problems and prioritize multiple tasks and responsibilities
Good computer and 10-key skills.
Good communication and interpersonal skills.
Ability to work in a calm, professional manner while consistently demonstrating courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
Capable of regular, reliable, and timely attendance.
Delf-motivated, able to work quickly and accurately, and flexible in day-to-day activities.
Must be a team player with a passion for customer service and a proven ability to build rapport and work effectively with employees at all levels of the organization.
Attention to detail as well as excellent organizational skill(s) to perform in a fast-paced environment.
Must have ability to prioritize and organize heavy workload(s) and demonstrate effective time management skill(s).
Must have the ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience.
Must have the ability to work both independently and in a team environment.
Must have the ability to understand and follow complex written and oral instructions.
Must have the ability to communicate effectively verbally and in writing.
Basic computer skill with working knowledge of word processing, spreadsheets, ten-key, and general computer applications.
Working knowledge of standard office equipment.
Knowledge of Generally Accepted Accounting Principles
A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.
Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
Must be able to work extended hours or travel off site whenever required or requested by management.
Must be capable of regular, reliable and timely attendance.
Must be capable of climbing / descending stairs in an emergency situation.
Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
Must be able to read and carry out various written instructions and follow oral instructions.
Must be able to speak clearly and deliver information in a logical and understandable sequence.
Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
Must be able to effectively handle multiple, simultaneous, and changing priorities.
Must be capable of exercising highest level of discretion on both internal and external confidential matters.

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. Verifies loan agreements are complete and accurate according to policy.
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 file 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.
Actively engages in business development and civic initiatives with contacts throughout the community, including customers and prospective customers to achieve defined goals.
Provides leadership, training and guidance to Commercial Lending team members to ensure quality of loans meet bank standards. Acts as a mentor to newer lenders as needed. Troubleshoots and resolves internal and external inquires.
Establishes the structure of the loan, including pricing terms and duration in accordance with the customer relationship and company policies.
Assists in collection of past due loans. Maintains credit quality to minimizes exceptions, and to prevent past dues and charge offs.
Complete required bank training courses within assigned time frame(s). It is the individual learner responsibility to ensure that they understand the information given to them in each training. If the learner does not understand the information given, they need to reach out to their supervisor for further clarification or additional training.
Maintain a positive attitude and display courteous, respectful behavior toward customers and coworkers; represent the bank professionally through appearance, punctuality, confidentiality, and adaptability.
Must comply with all company policies and procedures and all 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 First Bank of Wyoming Company Core Values.
Adhere to all applicable banking regulations, applicable laws, company policies, management directives, security, and operational procedures.
Responsible for the timely completion of all required Compliance and Security training assigned by GBCI and First Bank of Wyoming within the designated timeframes. It is the individual’s responsibility to fully understand the content presented in each training module. If clarification is needed, the learner must proactively reach out to their supervisor to request further explanation or additional training as necessary.
Responsible for adherence to Bank Security Policy and for reporting security risks to management.
Keep management appropriately informed of area activities and of any significant problems.
Support the bank’s mission by participating in Community Service and Bank-sponsored activities, while consistently representing the bank in a professional manner.
Represent First Bank of Wyoming 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.
Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
Maintain physical presence in the workplace and full alertness during working hours to ensure effective customer service and overall job performance.
Attend and actively participate in required meetings.
Provide exceptional internal and external customer service by interacting calmly and professionally with individuals from diverse backgrounds at various levels within and outside of the organization.
Maintain a clean, organized, and customer-friendly work area; safeguard confidential information and adhere to professional appearance standards.
Additional duties as requested or assigned.