Commercial Banking Officer

About The Role

Our growing financial institution, Wheatland Bank, is seeking a Commercial Loan Officer to be an integral part of our team. The Commercial Loan Officer develops new commercial loan business and manages a portfolio of assigned commercial loans. The Commercial Loan Officer serves as a representative to current and potential banking clients who require commercial loan services to meet their needs. The position requires interviews and credit analysis on new and existing credit applications and arrives at a conclusion to recommend approval or to decline credit applications.

The Commercial Loan Officer advises customers on loan status and approvals and works closely with Credit Administration to maintain loan quality and ensure the timely and accurate processing of loan requests.

Pay range for this position is:

Spokane range: $100,276 to $150,414 plus commissions, based on individual production, range of commissions $0 - $100,000/annually. You will become a participant in the Commercial Loan Officer incentive plan immediately upon starting employment with us.

• Develop new business by meeting with current and prospective commercial customers within the target market.
• Meet with applicants to obtain information; compile and analyze data for loan requests; submit applications to credit analysts for preparation of financial analysis and approval recommendations.
• Recommend products and services to potential borrowers and handle inquiries from applicants including explanation of the loan requirements and process.
• Screen loan requests based on bank policies and procedures and on types of loans offered.
• Prepare and present loan proposals and packages in accordance with bank standards for presentation to senior management, loan committee and the board of directors.
• Confer and work closely with Loan Assistants and the Credit Analyst to expeditiously decide loan requests.
• Monitor existing loan portfolio to maintain a high-quality credit culture.
• Become a brand ambassador in the Community and volunteer in local organizations.

• Bachelor’s degree in Accounting, Business Finance, Administration or related field.
• Or a minimum of 5 years of similar or related financial industry experience.

• Excellent interpersonal, leadership, verbal and written communication, and presentation skills.
• Excellent time management and organizational skills.
• Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignity and respect. Cultivate rapport with all persons encountered at work.
• Communicate Effectively:
  Communicate effectively both verbally and in writing with others in a clear, thorough and timely manner using appropriate and effective communication tools and techniques.
• Customer Service:
  We pride ourselves on striving to offer “North of the Expected” service to both our internal and external customers. The right candidate will not only embrace this but also help strengthen our service levels.
• Teamwork:
  Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

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.

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…