Business Banking Officer

Job Description

Bravera is hiring for a Business Banking Officer in Fargo, ND. This position is responsible for developing and maintaining relationships with business-based customers. They will solicit and originate quality loans, deposits, and special products and services with customers. Bravera is an employee and director owned company, committed to providing a competitive and rewarding compensation package. Apply at https://(Use the "Apply for this Job" box below). Equal Opportunity Employer.

• Focused efforts to grow business loan and deposit portfolios.
• Customer satisfaction and retention.
• Community engagement and visibility.
• Compliance with regulatory standards.

• Develop and maintain strong relationships with new and existing business clients. Serve as the primary point of contact for financial services and solutions.
• Solicit, evaluate, and originate business loans in accordance with bank policies and regulatory guidelines. Monitor loan performance and provide ongoing support to clients.
• Must fully understand loan policy and procedures and recommend enhancements, as needed.
• Maintain a lending portfolio, approving credit within approved lending authority. Ensure complete documentation and files.
• Analyze asset and repayment quality on existing loans and loan applications.
• Responsible for collection of delinquent loans.
• Make regular customer contact and conduct field inspections, financial analysis, and risk assessments, as needed.
• Recommend appropriate banking products and services based on customer needs and financial analysis.
• Keep abreast of current industry trends, new programs, and regulations.
• Collaborate with internal teams to ensure seamless delivery of services and excellent customer service.
• Contribute to the overall success of the organization by leveraging opportunities across Bravera Holdings Corp.
• Maintain a high level of confidentiality and professionalism regarding all employee and customer issues and information.
• Promote the organization in the community through participation in civic and community events, activities, committees, and organizations.
• Adhere to all banking rules and regulations, including the Bank Secrecy Act, and proactively prevent illegal activities by reporting suspicious activity to the BSA Officer.

• Bachelor’s degree in accounting, finance, economics, or another business-related field preferred OR an equivalent combination of education and a minimum of five years’ relevant experience in business lending or banking.
• Strong interpersonal and communication skills.
• Ability to analyze financial statements and assess creditworthiness.
• Familiarity with business operations.
• Proficiency in Microsoft Office Suite.

• Loan Volume = Minimum $35MM in loan volume.
• Proven history of developing new customer loan and deposit relationships.
• Proven history of providing successful referrals to other bank departments and subsidiary companies.
• Exhibits solid underwriting skills and credit presentation skills (verbal and written).
• Handling of minimum of 75 customer relationships.
• Historical rolling average of past dues under 1.25%.
• Historical technical exception level under 25%.
• Historical charge offs under $250,000.

Fargo, ND

We provide a competitive and rewarding compensation package which includes a competitive salary, incentive compensation opportunities, a retirement plan with company match, health insurance, paid holidays, paid time off (PTO), paid community volunteer time, and stock opportunities. We also offer training opportunities and tuition reimbursement to support growth and development.

• Give and earn trust. We support and empower one another to earn trust through accountable performance.
• Learn, teach and mentor. We are a learning organization that invests in growth and development.
• Collaborate and innovate. We work together to drive continuous improvement to enhance your experience.

Want to learn more about careers with Bravera? Go to bravera.bank/careers.

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Equal Opportunity Employer/Protected…