What You’ll Do

This position develops, evaluates and authorizes or recommends approval of customer applications for commercial loans.

Responsibilities Include

• Interview applicants to develop information concerning their needs, abilities and earnings to determine whether a loan may be an acceptable risk
• Evaluate and service the needs of present and potential customers seeking a variety of commercial loans, deposit accounts and other Bank products
• Analyze applicant’s financial status, credit and property evaluation to determine feasibility of granting loan or submit application to credit analyst for verification and recommendation
• Obtain and direct the analysis of all necessary financial data; may use Credit Services to assist or underwrite
• Make decisions on loans and terms within lending limits
• Negotiate the loan terms and conditions with customers and prospects
• Draft necessary documents and agreements and assure loan documents are complete and accurate
• Identify and analyze potential loan markets to develop prospects for commercial loans
• Advise manager of external factors that may affect established lending policies, such as new or revised legislation and regulations; recommend and implement appropriate changes to established policies and procedures
• Promote and cross-sell other Bank products and services as appropriate
• Provide loan data to support marketing and sales promotion programs
• Administer and manage existing loans to ensure complete conformity with terms and adequacy of documentation remains cognizant of developing trends
• Ensure adherence to Bank guidelines, policies and procedures regarding credit administration
• Call on existing customers to increase or retain business and call on potential customers to develop new business
• Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies

What You’ll Need to be Successful

• Communication – speak and write clearly and persuasively in all situations; ability to write routine reports and correspondence and to speak effectively before groups of customers or employees
• Problem-solving Skills – identify and resolve problems in a timely manner, gather and analyze information skillfully and develop alternative solutions; work well in group problem-solving situations
• Customer Service – respond promptly to customer needs, solicit customer feedback to improve service and respond to requests for service and assistance
• Attention to Detail – demonstrate accuracy and thoroughness in work
• Judgement – exhibit sound and accurate judgment, support and explain reasoning for decisions; include appropriate people in decision-making process and make timely decisions
• Ambition – set and achieve challenging goals, demonstrate persistence and overcome obstacles; measure self against standard of excellence and take calculated risks to accomplish goals
• Productivity – meet productivity standards, complete work in timely manner and strive to increase productivity
• Teamwork – listen to others without interrupting, keep emotions under control and remain open to others' ideas; foster quality focus in others
• Professionalism – approach others in a tactful manner, react well under pressure, and treat others with respect and consideration regardless of their status or position
• Dependability – accept responsibility for own actions and follow through on commitments
• Time Management – prioritize and plan work activities and use time efficiently
• Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice

Qualifications

• Bachelor’s degree or equivalent work experience
• Five to ten years of commercial real estate lending or other lending related experience
• Knowledge of Database software, Loan Origination software, Spreadsheet software and Word Processing software

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range (Salary): $150,000.00 - $160,000.00/year

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.