Commercial Banking Portfolio Officer

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This is an in-office position that is located in West Fargo, North Dakota.

At Western State Bank, “what” you know is important, but not as important as how you relate to teammates and customers. Our environment is based on the principles of respect, curiosity, creativity, individual empowerment, and the ability to listen effectively and communicate openly. We also believe in continual learning, bias toward action, keeping commitments, and doing our absolute best every day.

We believe that our ability to deliver on our promise of being Your Hometown Bank is a result of these high standards.

The Commercial Banking Portfolio Officer position is designed to develop an individual seeking a Business Banker role with Western State Bank in the next 12-24 months. The duration of this developmental role will be determined by the individual’s prior experience and velocity of development in this position. The Commercial Banking Portfolio Officer will be cross trained within all areas of Business/Commercial Banking including but not limited to Credit Underwriting/Analysis, Credit Monitoring, Credit Decisioning, Risk Assessment, Portfolio Management, Loan Documentation, Collateral Perfection, Loan Servicing, Quality Assurance, Relationship Management, Customer Service, Sales, Business Development, etc.

The Commercial Banking Portfolio Officer training will be in the field, versus a classroom type setting. Training and work responsibilities will be comprised of three (3) primary segments;
Credit Analysis/Administration segment, Portfolio Management segment, and Business Development/Service segment. Duration of training and responsibilities in each segment will be determined by the candidate’s prior experience and the manager’s assessment of progress in each area. While training and responsibilities will concentrate on one segment at a time, there will be significant cross-over between segments at any given time.

• Assess credit applications and loan files to assess the risk in accordance with the organization’s mission, core values and team guidelines. Such commercial credit assessment requires proper risk administration including, but not limited to, recognizing key risks via credit analysis, ensuring a pertinent level of question/answer discovery with BBO/CBO via borrowers, and coordinating with loan production on prudent loan structuring, credit enhancements and move forward/denial determinations.
• Ongoing portfolio and risk management with specific duties including review and analysis of ongoing financial reporting from a performance and credit risk perspective, analysis of trend cards/stress test analysis, ensuring accuracy and timeliness of financial reporting, covenant testing, borrowing base/margin account monitoring and meeting with borrowers on a periodic basis to discuss operations, trends, issues in collaboration with the respective BBO.
• Prepare commercial and ag loan presentations in accordance with loan policy for approval by individual parties or various committees.
• Identify current and possible future credit risks that may cause Western State Bank to exceed credit risk or loss tolerances.
• Provides expertise in various lending issues and applications including expertise in numerous specialized areas of lending.
• Continually provides strategic guidance, thoughts and ideas to bank management to grow and improve the overall financial health of the bank.
• Executes loan policy and ensures that deviations from policy are properly reported and mitigated.
• Consults with the Chief Credit Officer, Credit Department Manager and their Supervisor on complex or unusual loan relationships, as needed.
• Ongoing tracking and review of interim financial information provided by the customer in coordination with the assigned lender and portfolio manager.
• Manage special projects as needed. These projects will vary based on workload, organizational priority and opportunities presented.
• Works harmoniously and collaboratively with team members to accomplish Bank objectives.

• Assist BBO to maintain commercial loan files, inter-departmental…