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SVP Commercial Lender
Position Summary:
In this role, you'll solicit loans, deposits, cash management, and other financial products while originating, processing, and servicing commercial loans. Your work will be crucial in helping us achieve our mission.
Primary Accountabilities and Responsibilities:
- Contact prospects and customers for new business, including both loan and commercial deposits. Contact levels will be sufficient to ensure relationship building, and at a minimum will meet customer retention calling and prospecting objectives established by management. Independent business development substantially drives production, but referrals from others may contribute to obtaining production objectives.
- Consistently achieves lending and/or deposit performance results at levels materially exceeding objectives established. Constantly achieving objectives in both areas is an expectation.
- Build a loan portfolio via consistent annual new production to upper quartile levels when compared to SVP and VP Commercial Lenders within the organization.
- Independently interview customers and new loan applicants, gathering appropriate information for a thorough financial analysis and analyze credit worthiness.
- Establish structure of loans within framework of loan policy and extended commercial loans up to stated lending limit. Administer credit quality of portfolio within objectives. Manage technical exceptions well within acceptable parameters. Ensure that proper documentation is completed, specifically including approval requirements.
- Working with the credit analyst team, ensure credit presentations contain sufficient, accurate information to facilitate an efficient decision-making process by lending authorities. Responsible for presenting to lending authorities.
- Monitor loans in repayment and collect loans in default. Implement and execute work out plans as directed.
- Working more independently, entertain larger and/or more complex loan requests for approval or denial as per the loan policy of the Bank.
- If applicable, oversee the performance and management of the location portfolio assistant.
Requirements
Education
- College degree or equivalent experience, with emphasis in Business Administration, Accounting or Finance.
- Previous concentrated credit training.
- Advanced banking and /or leadership training experiences are desired
Experience
- A minimum of 15 years commercial lending experience is a general expectation
- A minimum of 3 years Commercial Credit Administration/Credit Analysis/Loan Review
Other Skills/Characteristics
- Able to read and interpret loan documentation
- Proficiency with Microsoft products
- Team orientation and the ability to adapt in a fun, fast-paced environment
- Self-motivation, good organization skills, and excellent communication and phone skills.
- Exceptional level of customer service
- Required to comply with the SAFE Act, including successful initial and ongoing registration in the Registry
- Work efficiently and effectively with location Portfolio Assistants on primary accountabilities and responsibilities of the position.
Performance Measures
- Consistently produce $5-7 million per year in new loan originations
- Consistently drive deposit sales generation that meets established objectives
- Actively participate in the sales culture of the organization, by appropriately using sales tracking systems
- Maintain delinquencies at or below established levels
- Maintain technical exceptions at established levels
- Classified asset volume and portfolio risk weighing level will be maintained within parameters
- Loan Loss ratios at or below established levels
Benefits:
- Fun, supportive work environment with advancement opportunities
- Competitive wages with an additional annual performance-based incentive
- Medical, Dental, Life and Disability Insurance
- Generous paid time off, including11 paid holidays
- Paid volunteer time
- Retirement Benefits – 401k and ESOP
- Education reimbursement with one year of service
- Awarded Star Tribune Top Workplaces 7 years in a row
Office Environment
- Office environment
- Ability to work 1 day/week from home
Northeast Bank welcomes people of all races, religions, genders, physical abilities, backgrounds, etc. Our goal is to support all members of our community, whether they are customers or employees. Our employees have a sense of belonging due to the relationship building we do among our employees. We value each employee as an individual.
Northeast Bank is an Affirmative Action/Equal Opportunity/Vets/Disability Employer
Account Services Representative II
POSITION SUMMARY: Provides customer service via telephone, process wire transfers, un-posted items, large items, and all outgoing and incoming returns.
PRIMARY ACCOUNTABILITIES AND RESPONSIBILITIES:
- Responsible for processing incoming and outgoing domestic and foreign wire transfers and maintain customer wire agreements.
- Answer customer phone calls or questions in Banno chat regarding balances, transfers, in-coming and out-going wire transfers, stop payments, and general questions by displaying a positive attitude and assisting the customer with their needs. Cross-sell products that are beneficial to the customer.
- Shared rotation of duties:
- Responsible for reviewing Stop Payment Report and processing returns.
- Review and balance 800 accounts.
- Reviews Fluctuation report daily.
- Responsible for reconciling any items in the POD GL account.
- Responsible for processing Federal Reserve incoming check returns.
- Print morning notices and cd interest checks.
- Prepare morning courier bags for pickup.
- Responsible for processing Lockbox deposits through Remote Deposit.
- Scan signature cards and file.
- Responsible for processing the Un-posted items and sending NOC’s.
- Prepare mixed deposit report.
- Responsible for printing/mailing NSF notices in a timely manner.
- Maintain closed account forms/pulling and file closed signature cards.
- Reconcile teller personal money order accounts.
- Reconciles Debit Card interchange accounts.
- Responsible for reviewing signature and endorsement on large checks.
- Complete credit references in a timely manner.
- Responsible for returning debit card and pin mailers.
- Balance daily ATM settlement accounts.
- Work well as a team to ensure that customers have the information that they need and no one person takes most of the phone calls.
- Responsible for returned mail, logs and distributes to appropriate departments/personnel.
- Complete various projects as needed.
Requirements
ROLE QUALIFICATIONS:
Education
· High school diploma or general education degree
Experience
· A minimum of 2 to 3 years customer service, and phone experience in an office environment.
Other Skills/Characteristics
· Professional, effective verbal communication skills
· Ability to deliver “above average” customer service.
· Ability to multi-task and organize priorities.
· Medium level of computer literacy – e-mail, Word
· Maintains confidentiality.
· Maintains a high level of focus and accuracy.
· Proficient in working in a team-oriented environment.
Performance Measures
· Delivers exemplary customer service consistently exceeding customer expectations in terms of response time, need assessment and accuracy.
· Dependability to getting duties completed on time with good follow-up.
Working Conditions
- Normal office environment
Northeast Bank welcomes people of all races, religions, genders, physical abilities, backgrounds, etc. Our goal is to support all members of our community, whether they are customers or employees. Our employees have a sense of belonging due to the relationship building we do among our employees. We value each employee as an individual.
Northeast Bank is an Affirmative Action/Equal Opportunity/Vets/Disability Employer
Salary Description
$22-$26
How to Apply
Benefits
Benefits for full time & part-time over 20 hours/week:
- Fun, supportive work environment with advancement opportunities
- Competitive wages with an additional annual performance-based incentive
- Medical, Dental, Life and Disability Insurance
- Generous paid time off, including 11 paid holidays
- Paid volunteer time
- Retirement Benefits – 401k and ESOP
- Education reimbursement with one year of service
- Awarded Star Tribune Top Workplaces 6 years in a row
Working Conditions
- Standing often
- Ability to lift coin/cash weighing up to 25 pounds
Thank you for your interest in Northeast Bank. If you have been referred to us by an employee, please tell us who referred you.
Northeast Bank is an Affirmative Action/Equal Opportunity/Vets/Disability Employer.
Values
- Authentic: We are genuine, trustworthy, and honest. We do the right thing.
- Collaborative: We are welcoming and open. We truly care about people’s lives and success.
- Accountable: We are reliable and dependable. We accept responsibility.
Employee Testimonials
Dusten, Executive Vice President - Commercial Loans:
“Northeast Bank is a great place to work because we have employees that are knowledgeable, professional, self-motivated, and have a customer-first attitude. We have a great culture where employees truly care about each other. In addition, the bank is family-oriented and supports a great work-life balance”.
Kim, BSA Manager:
“I have had the pleasure of working for Northeast Bank for over 15 years. Northeast Bank is a great place to grow and advance in your career both personally and professionally. The bank and the leadership here are very encouraging and are there to support you in your career goals. I find myself among a great group of coworkers, who are knowledgeable people who work very well together.”
Kristy, Senior Vice President - Retail Banking Operations:
“Northeast Bank is a great place to work because they value their employees and encourage all to be their best. For example, the bank offers an individualized leadership development plan for all employees that encourages personal growth and continual learning. This benefit has been instrumental for both myself and my team and is a true testament to the culture of Northeast Bank.”
Zach, Senior Vice President - Credit:
I have been with Northeast Bank for over ten years and still feel like the “new” guy in a lot of ways due to the long-standing tenure of so many of the staff and management throughout all levels of the organization. This is not surprising after experiencing the excellent culture that has been incubated within this organization for so many years. Not only do I feel valued as an employee, but I feel like my voice is heard, my opinion matters, and I truly have a say in the direction of the organization moving forward. Additionally, I respect the level of accountability and community that resonates throughout the bank, with everyone doing their share to contribute to the ongoing success of the bank, understanding what that success looks like, and wanting to serve the communities in which we operate. Northeast Bank has won various awards for being a “best place to work” and I could not agree with that more. I look forward to being part of this bank for many years to come.
Sarah, Marketing Manager:
“I love working at Northeast Bank because the company believes in me. Those in leadership positions listen to what I have to say and value any feedback I may have. The Bank genuinely cares about my future and invests in my education and talents. I also love that Northeast Bank works hand-in-hand with the community, as well as being committed to doing the right thing. It is important to me that I work at a place that holds integrity and ethics close to the heart of who they are, and Northeast Bank does that every single day. I enjoy being a part of the team here and the comfortable and friendly environment I have the pleasure of working in every day.”
