Position Purpose

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.

Essential Functions

• 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.
• 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.

Additional Responsibilities

• Adhere to First Bank of Wyoming's 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 First Bank of Wyoming.
• 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).
• 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.
• Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
• Participates in required training, staff meetings, and lobby displays.
• Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers.
• Other duties as requested or assigned.

Qualifications

Education and Experience:

• 2 - 4 years of similar or related experience, including preparatory experience required
• Bachelor's degree, required
• An equivalent combination of education, training and experience may be considered

Required Knowledge, Skills and Abilities:

• Strong ability to solve problems and prioritize multiple tasks and responsibilities
• Good computer and 10-key skills.
• Good communication and interpersonal skills.
• Employee must have the ability to work in a calm, professional manner while consistently demonstrating courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
• Employee must be capable of regular, reliable, and timely attendance.
• Employee must be self-motivated, able to work quickly and accurately, and flexible in day-to-day activities.
• Employee 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

Interpersonal Skills:

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.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: Climb (Ascending or descending ladders, stairs, scaffolding, ramps, poles and the like, using feet and legs and/or hands and arms. Body agility is emphasized. This factor is important if the amount and kind of climbing required exceeds that required for ordinary locomotion.) Balance (Maintaining body equilibrium to prevent falling and walking, standing or crouching on narrow, slippery, or erratically moving surfaces. This factor is important if the amount of balancing exceeds that needed for ordinary locomotion and maintenance of body equilibrium.) Stoop (Bending body downward and forward by bending spine at the waist. This factor is important if it occurs to a considerable degree and requires full motion of the lower extremities and back muscles.) Stoop (Bending body downward and forward by bending spine at the waist. This factor is important if it occurs to a considerable degree and requires full motion of the lower extremities and back muscles.) Kneel (Bending legs at knee to come to a rest on knee or knees.) Crouch (Bending the body downward and forward by bending leg and spine.) Crawl (Moving about on hands and knees or hands and feet.) Push (Using upper extremities to press against something with steady force in order to thrust forward, downward or outward.) Pull (Using upper extremities to exert force in order to draw, haul or tug objects in a sustained motion.)

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.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

Working conditions: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

Travel: Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Mental Requirements: 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.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our for more details!

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.

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