What are the responsibilities and job description for the Ag Commercial Portfolio Manager position at Bell Bank?
Ag Commercial Portfolio Manager
If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.
Company Information:
Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $10 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $25 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.
Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune.
If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.
Bell's Values:
As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:
- Promoting and sustaining our family atmosphere.
- Providing unequaled personal service to each and every customer.
- “Paying it forward” by giving back to the communities we serve.
Our Bottom Line:
Happy Employees! Happy Customers!
Job Summary:
Primary responsibilities of this position will be loan administration, portfolio management and basic assistance in credit underwriting for Region Commercial & Ag Banking Team. This position will assist in underwriting, documentation and administration of a Commercial and/or Ag loan portfolio.
Primary Duties:
- Support market, market president(s), and Ag / Commercial lenders in the production and processing of Ag / Commercial loans, deposits, and other lines of business.
- Position will primarily provide support to a determined region/market(s).
- Frequent travel between markets will be required.
- Analyze and spread farm financial statements for existing and potential new Ag clients.
- Become proficient in use of Finpack program.
- Assist with the preparation and/or review of litmus presentations, loan committee presentations, annual credit reviews and problem loan summaries.
- Develop and maintain client/portfolio trend reports.
- Assist with required due diligence prior to loan closing.
- Analyze interim financial statements of existing clients.
- Assist in administration of nonperforming loans.
- Maintain reporting infrastructure designed to manage risk in this division.
- Work closely with the Commercial / Ag Lender to establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements.
- Monitor the credit facility once it is booked, including an assessment of interim financial information, and any other pertinent supporting documentation.
- Provide unequaled customer service to commercial & Ag deposit and loan customers.
- Serve as backup in the oversight of daily overdrafts and any subsequent collection.
- Understand and adhere to the Bell Bank lending guidelines.
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Job Skills Required:
- B.A. in accounting, finance or related field preferred.
- At least one year of prior experience in credit, lending, or commercial banking.
- Working knowledge of loan documentation.
- Above average written and communication skills.
- Proficiency with computer technology.
- Ability to deal with multiple tasks and deadlines.
- Effective time management and organizational skills.
Bell Bank provides competitive compensation and an excellent benefits package.
Bell Bank
Equal Opportunity Employer
