We offer more than just another job.
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.
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
POSITION SUMMARY: Assist customers with teller responsibilities and back-up the relationship bankers to provide individualized and comprehensive services to retail and commercial customers.
PRIMARY ACCOUNTABILITIES AND RESPONSIBILITIES:
1. Services customers by maintaining an accurate cash balance while protecting bank assets. Processes currency transaction reports, reviews stop payments, scrutinizes negotiable instruments with potential for fraud. Accurate in balancing vault. Resolves balancing differences independently and assists others.
2. Opens and closes all types of deposit accounts (checking, savings) for consumer and commercial accounts. Sells, redeems, and renews certificates of deposits, including IRA's. Assists customers with address changes, stop payments, balance inquiries, statement balancing, check approvals, check orders, etc.
3. Inform customers of banking products beneficial to the customer. Cross sells and/or refer to other personnel when the need arises.
4. Provides quality customer service including greeting customers by name, smiling, and thanking every customer. Acts professionally including conversations with customers and employees in person and on the phone. Keeps confidentiality of customers within those that need to know.
5. Communicates effectively with supervisor, manager, and co-workers. Serves as mentor to junior tellers. Reads and follows through with voicemail and e-mail. Effectively and professionally uses software-especially email.
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, including 11 paid holidays
- Paid volunteer time
- Retirement Benefits – 401k match and ESOP
- Education reimbursement with one year of service
- Awarded Star Tribune Top Workplaces 7 years in a row
Education
· High school diploma or general education degree + additional education.
Experience
· A minimum of 2 years teller experience and customer service experience
· Exposure to relationship banker responsibilities
Other Skills/Characteristics
· Professional, effective verbal communication skills
· Ability to deliver “above average” customer service
· Ability to multi-task and organize priorities
· Willingness to cross-sells products and services to new and existing customers
· Medium level of computer literacy
· Maintains confidentiality
· Maintains high level of focus and accuracy
Performance Measures
· Accuracy of input, monthly reporting, and written documents
· Customer Service
· Organization Skills
· Balancing Record
· Safety of Cash
Working Conditions
- Normal Office environment
- Ability to lift coin/cash weighing up to 25 pounds
- This position does not offer work from home opportunities
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
- 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
- Standing often
- Ability to lift coin/cash weighing up to 25 pounds
- 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.