Commercial Lender

Western Security Bank is hiring an experienced Commerical Lender with a minimum of 6 years Commerical/Credit experience. Commercial Lenders supports the Commercial Loan Department by building relationships and obtaining and/or maintaining commercial loans. Will be responsible for taking commercial loan applications, interviewing loan clients, analyzing financials, determining appropriate loan pricing, loan structure and making appropriate commercial lending decisions (within assigned lending limit) and/or presenting loan recommendations to the WSB Loan Committee. The Commercial Lender is responsible for contributing to overall growth and profitability. Commercial Lenders will work independently as well as in cross functional teams with various levels of knowledge. These cross functional teams assist internal support staff to accomplish position/department/customer goals within regulatory/policy guidelines.

DUTIES AND RESPONSIBILITIES:

* Create and/or maintain a targeted portfolio size up to $20M.
* Meet or exceed loan production goals.
* This professional and administrative position is responsible for approving or denying credit to commercial customers.
* Through business develop measures will identify and develop profitable relationships with new and existing customers.
* Will obtain loan application, interview customer, collect and analyze financial to determine credit worthiness, appropriate pricing, loan structure while focusing on prompt and fair service regardless of approval or denial.
* Will be required to ensure accuracy on loan documentation. Will ensure loan documentation is complete and accurate prior to loan closing and are in compliance with state and federal regulations, bank policy and compliance regulations.
* Will monitor loan delinquency and proactively identify credit problems. Take preemptive measures by managing loan accounts for current documentation, performance, and total bank relationship. Respond promptly to exception and compliance error reporting to prevent or minimize potential losses.
* Will be required to keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of commercial training sessions.
* Will be responsible for proper and timely disclosure requirements and ensure that appropriate disclosures are completed within Federal Time Limitations.
* Identify and develop profitable relationships with potential new customers by participating in civic and community activities.
* Maintain an ongoing relationship with existing customer base. Be proactive in identifying potential business opportunities outside the Commercial Department and refer to appropriate department or officer.
* Maintains a working knowledge of all bank products and services.
* Maintains an aggressive customer call schedule.
* Participates in Community Service and Bank-sponsored activities that serve and support the mission and values of Western Security Bank.
* Provides superior internal and external customer service. Must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers.
* Represents Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive attitude, flexibility and adaptability in meeting Bank and customer needs.

* All employees are accountable for compliance with applicable laws and regulations when performing their job duties. Each employee is expected to participate in required training to become familiar with the legal and regulatory requirements affecting his or her job responsibilities. It is the affirmative duty of each employee to carry out these responsibilities at all times in a manner that complies with all applicable legal and regulatory requirements, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
* Adhere to and model Western Security Bank Company Mission and Vision Statement, Core Values and Service Principles.
* Keeps management appropriately informed of area activities and of any significant problems.
* Participate in Community Service and Bank sponsored activities that serve and support the mission and values of Western Security Bank.
* Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
* Complete required bank and OnCourse training courses within assigned time frame(s).
* Represent Western Security Bank in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. Keep work area tidy and maintain customer privacy. Attends and participates in meetings as required.
* Additional duties as requested or assigned.

QUALIFICATIONS:

• High School degree or equivalent required.
• Bachelor's degree in Business, Finance or any related degree from a four-year college or university preferred.

KNOWLEDGE, SKILL, ABILITY:

* Strong interpersonal communications skills including customer service orientation and strong listening skills.

* Excellent interpersonal communications skills including customer service orientation and strong listening skills.
* Performs complex banking tasks that require logical or scientific thinking to define problems, collect data, establish facts, and solve or draw conclusions.
* Leads and directs the work of other employees.
* Has authority for personnel decisions and may have an impact of departmental budgeting, planning, procedural changes.
* Strong written and verbal communication skills.
* Strong analytical and attention to detail skills.
* Ability to work well under pressure with a high degree of attention to detail.
* Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
* Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulation(s), company policy(s), knowledge and experience.
* Mathematics and reasoning are constantly used/required on the job.
* Memory and estimating are frequently used/required on the job.
* Problem solving and exercising judgment are frequently used/required on the job.
* Ability to define problems, collect data, establish facts, and draw valid conclusions.

PHYSICAL DEMANDS: 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: to 20 pounds amount of force frequently and/or 10 pounds constantly to lift, carry, push, pull or otherwise move objects, including the human body.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.