Commercial Lender

About The Role

First Bank of Montana is hiring an Ag/Commercial Lender to be an integral part of our team in our Chinook, Montana location. This role involves making commercial and agricultural loans and requires a positive attitude, great customer service skills, and the ability to work in a team atmosphere. Professionalism, confidentiality, good attendance, punctuality, flexibility and adaptability are a must.

The successful candidate will have extensive contact with customers, vendors, the general public, and bank staff and will conduct themselves in a manner that enhances the overall efficiency and image of the bank. They must build and maintain a loan portfolio, act as a liaison between the bank and its customers, and participate in community and bank-sponsored activities. Familiarity with agricultural production is a must.

Must comply with applicable laws and regulations, including the Dodd-Frank Act, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a score of 85% or greater by the due date.

Responsible for maintaining loan quality in compliance with bank policy and procedures, underwriting standards, and documentation requirements.

• Maintain working knowledge of all bank products and services.
• Grow in-house loan portfolio.
• Identify and develop profitable relationships with potential new customers, maintaining an aggressive call schedule.
• Cross-sell bank products and refer customers, when appropriate, to other departments or affiliate banks.
• Assist in identifying and implementing new products and services.
• Participate in market analysis of competitors’ rates and make recommendations based on findings.
• Develop and maintain profitable relationships with new and existing customers.
• Obtain loan applications, counsel applicants, analyze financial data, determine pricing and loan structure, and make appropriate loan decisions according to bank policies and procedures.
• Maintain high service standards for all customers, working closely with First Bank of Montana managers and staff.
• Review all credit reports, financial statements, tax returns, title insurance commitments, and appraisals to ensure documentation is complete and correct.
• Monitor and act appropriately on past-due loans to ensure compliance with bank policies, procedures, and goals.
• Maintain current awareness of legal and regulatory developments and guidelines, and knowledge of applicable laws and regulations related to compliance for the bank.

• Perform job functions in compliance with all company policies, procedures, federal and state rules and regulations applicable to the position.
• Keep management appropriately informed of area activities and significant problems.
• Participate in community service and bank-sponsored activities that serve and support the mission and values of First Bank of Montana.
• Provide superior internal and external customer service, demonstrating self-governance, courtesy, and respect toward all customers.
• Represent First Bank of Montana professionally, with a positive “can-do” attitude, punctuality, flexibility, and adaptability; keep work area tidy and maintain customer privacy.
• Attend and participate in required meetings.
• Maintain regular and predictable attendance for in-person contact with customers.
• Additional duties as requested or assigned.

• High School diploma or equivalent.
• Bachelor's degree in business, finance or related field preferred.
• One year lending experience and/or training.
• One year sales and customer service experience preferred.
• One year banking experience preferred.

• Ability to work quickly…