Credit Specialist , II, or III

the timberline bank gj branch is hiring to fill one credit specialist position. This opening may be filled as either a credit specialist i, credit specialist ii or a credit specialist iii, depending on the applicant’s prior banking experience and familiarity with banking products and services. Applicants should review all role descriptions and indicate which position they are applying for in their electronic application.

at timberline bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "better, faster, easier.

-always." experience is the timberline team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes timberline bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the timberline personal touch, the level of customer support is unparalleled.

We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. To us, it is personal.

this position is a full time non-exempt, non-officer position that requires excellent customer service skills and an ability to multi-task and work well with multiple teams. This position will assess the creditworthiness of individuals and/or businesses applying for loans with timberline bank. Assisting with other duties that may include, but are not limited to, managing construction draw requests on existing timberline construction loans and ongoing monitoring of customer securities portfolios for existing securities-based loans with timberline bank

• work closely with consumer lenders and business bankers to review customer-provided financials, tax returns, and supporting documents provided for a loan application for completeness and accuracy.
• evaluate credit risk by considering factors such as the applicant’s credit report, payment history, debt-to-income or debt-servicing ratio, and other financial ratios and metrics to gauge the borrower’s ability to repay existing and proposed debt obligations.
• prepare financial reports for, and collaborate with, consumer lenders and business bankers to prepare loan request presentations and structure loan terms and conditions for approval.
• this person will be well-versed in timberline bank’s loan policy, abrigo (loan underwriting system), and other programs utilized to complete their duties.
• this person should have a basic understanding of consumer compliance rules and regulations as set forth by the regulators and timberline bank and the ability to work with our subject-matter experts when complicated issues present themselves.
• assist with ongoing customer relationship management to monitor and review: updated financial information.
• construction draw requests (including the ordering and review of inspection reports).

• investment…