Job: Commerical Loan Officer - Butte

Jobing Description

Name:

Branch: Bozeman Butte Helena main Neill Townsend
Job Title: AVP/Commercial and Consumer Loan Officer
General job description:

Originate, service, and supervise commercial loans; originate and

service consumer loans; provide back-up supervision for consumer loans.
Qualifications, Characteristics and Skills
Excellent customer service, communication,
and interpersonal skills
Friendly and helpful attitude
Able to handle stress
Accurate
Detail-oriented
Good computer and calculator skills
Self-motivated
Well-organized
Dependable
Professional attire
Able to work both as a team member and
independently with limited supervision
Superior judgment and decision-making
skills
Excellent analytical skills with emphasis on
GAAP and business financial statements
Able to effectively supervise and train
commercial loan staff
Thorough understanding of loan
documentation criteria; financial
institution services, products, policies
and procedures; and overall business
objectives for the commercial and
consumer lending department
Physical Requirements
Ability to:

?

sit for extended periods of time

?

use a telephone frequently

?

lift and carry 20 pounds on regular

basis

?

kneel, crouch, and climb on

occasional basis

?

reach, stand, and walk on frequent

basis
Extensive use of computer screen
Normal or correctable to normal vision and
hearing
(Reasonable accommodations may be made to

enable individuals with disabilities to perform the
essential functions)

Education and Experience Requirements

Bachelor s in Bu

siness Administration or

related field
3 years commercial and consumer loan
origination and sales experience
1 year of supervisory experience
Previous participation in bank product,
service, and regulations training
Knowledge of and/or experience with SBA
guaranteed and rural development B & I
loan programs
Knowledge of commercial and consumer
lending policies and procedures
Other Requirements

Must possess valid Montana driver s

license, valid automobile insurance, and

acceptable driving record.
FLSA Status
Eligible for overtime pay

Exempt from overtime compensation

Reports To
Senior Vice President/Lending
Classification Level
Officer
Work Hours
Typical work hours are Monday through
Friday 8:00 a.m. - 5:00 p.m.
(Employee may also be required to work extended

hours on an occasional basis in order to fulfill job
duties and responsibilities as outlined on next
page.)

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page 2

POSITION ACCOUNTABILITIES

Essential Duties
1. Interview applicants for commercial and consumer loans.
2. Prepare written underwriting analysis for various types of loan applications and analyze
credit history of applicants to determine their loan repayment capabilities.
3. Summarize analyses and recommend approval/denial at loan committee level.
4. Negotiate credit terms such as costs, loan repayment methods and collateral specifications.
5. Develop and maintain interest rate structure to be consistent with financial institution policies
and procedures, and to be competitive with current market rates.
6. Review new laws and regulations that influence business lending within the financial
institution; make recommendations to management when necessary.
7. Assist in product and service development to ensure customer satisfaction and Bank
profitability; recommend upgrades, marketing, elimination or future development of under-
performing products and services, and development or introduction of new products and
services when necessary.
8.
Direct, oversee, and implement changes and additions to the Bank s comm

ercial and

consumer lending policies and procedures, as needed, to best serve community and current
market needs.
9. Provide daily supervision and assist in development and training of commercial loan staff;
team with AVP/Consumer Lending to provide assistance and training to consumer loan staff.
10. Supervise consumer loan staff in the absence of AVP/Consumer Lending.
11. Supervise Helena and Townsend business development activities and support Bozeman
and Butte branch offices in analyzing business credits.
12. Advise and assist commercial loan staff with resolutions for customers with difficult issues.
13. Provide information and data in the preparation of the commercial loan department budget.
14. Work with Senior Vice President/Lending, Assistant Vice President/Mortgage Lending,
Assistant Vice President/Consumer Lending, and Assistant Vice President/Accounting and
Compliance Officer to ensure that loan department adheres to established
compliance/lending policies and procedures. Aid in formulation and implementation of
policies.
15. Work closely with Loan Specialist in collection of delinquent accounts.
16.
Serve as member of the Bank s Officer Loan Committee and participate in other ad hoc

committee activities.

17. Perform other related duties as assigned.
Duties That May Be Reassigned
1. M
anage Bank s merchant card relationships.

2.

Manage Bank s technical exception tracking and reporting system.

3. Maintain files.

4. Prepare loan documents.
5. Collect accounts.
____________________________ _____________________

Employee Signature Date Signed

___________________________

Supervisor Signature

Original creation date of this job description: 11/2/92
Revision date of this job description: 1/10/02 N/A
Print date of this job description: 1/10/02

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