COMMERCIAL LENDER TRAINEE bei Stockman Bank

Position General Responsibilities:

This is a training level position with the expectation that sufficient knowledge will be acquired to support the day-to-day lending functions for Stockman Bank. This position assists the Commercial Lenders by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition, they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower’s capacity. Position will work with the Commercial Lenders to analyze the bank collateral and help prepare collateral evaluations.  Finally, they are responsible for providing support to the banker to assist them in soliciting, developing and maintaining profitable account relationships to increase Stockman Bank’s market share in this business. 

Basic Qualifications:

1. Strong commitment to providing exceptional customer service.
2. Bachelor’s degree in finance or related field.
3. Strong communication and organizational skills.
4. Business development experience.         
5. Ability to work independently and to prioritize multiple tasks.
6. Willingness to work within the community on community projects.
7. Ability to learn to analyze credit requests, collateral analysis, and budget monitoring and obtaining and monitoring government guarantees.
8. Proven work ethic a must.
9. Strong computer skills. 

Specific Skills Preferred

1. Attention to Detail- ability to notice and correct errors, document and follow up on important details and provide a high-quality-end-product.
2. Knowledge of financial statement and cash flow analysis, & basic working knowledge of GAAP.
3. Familiarity with legal contracts and the Uniform Commercial Code as related to lending and collateral perfection. 
4. Professionalism – maintaining a professional attitude, image, and work ethic.
5. Understanding of and ability to work with lending software with proper training.
6. Team Playing – willingly collaborating and cooperating with others, developing effective working relationships
7. Ability to remain focused and on task and efficiently work unsupervised meeting all deadlines.
8. Written and verbal communication skills – ability to concisely and clearly present critical details.

Dimension of Job:

1.  Analyze and Process:

1. Assist Lenders in analyzing existing and new customer credit requests.
2. Work with Lenders to coordinate the request/receipt of business and personal financial statements
3. Coordinate timely spreading of financial statements.
4. Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.
5. Prepare financial forecasts/pro-forma statements in consultation with Lenders to assist in assessment of borrower capacity.
6. Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.
7. Reviews file documentation for completeness and correctness, in accordance with Front End Guidance, Credit Policy, and Credit Process Procedures.
8. Working delinquent loan accounts by calling customers and follow-up with tickler list.
9. Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.

2. Sales/Public Relations

1. Participate in joint customer calls and/or inspections with Lenders to identify additional sales opportunities for existing and potential customers.
2. Assist manager in the monitoring of overall credit quality through appropriate presentations at weekly/monthly meetings to identify loan delinquencies, reviews past due (60 days +), technical exception (30 days +), watch list and early warning credits.
3. Involvement in customer interview process when necessary.
4. Promote the improvement of Stockman Bank through quality customer service, promotion of products professionalism in conduct and diligent work ethic.
5. Greet all customers pleasantly and make them feel welcome and comfortable.
6. Handle transactions quickly and professionally.
7. Effectively handle customer questions and problems.
8. Perform appropriate follow-up with customers after sales are made and determine if their needs have been met.
9. Communicate (verbally and /or in writing) in a positive, professional manner with customer and vendors.  Display a professional appearance and behavior that will gain the confidence of customers.

3. Commercial Loan Functions:         

1. Maintain extensive knowledge of loan and non-deposit services by studying product information, bulletins, regulations and updates. 
2.  Understand and comply with SB/SFC lending policies and procedures and documentation of commercial files.
3.   Lien filings and insurance follow-up.
4.  Responsible for regulatory compliance – all consumer and small commercial loans.

For full description, which includes physical mental demands please see attachment.