VP/Commercial Banker

VP/Commercial Banker

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 $26 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:

This position must possess the technical skills needed to underwrite, document and administer a sizable portion of small, midlevel and large commercial loans. Proficiency in business development is required as this position will be expected to actively solicit new loan relationships within the constraints of the Bank's loan policy. Generally, a candidate for this position will have functioned as a Commercial Loan Officer or Credit Officer for a period of at least three years.

Primary Duties:

• On a consultative basis, learn and analyze prospective and existing clients' cash flow cycle in order to assist them with an appropriate deposit account structure and corresponding treasury products.
• Maintain a sales focus on operating companies with DDA business and treasury management needs.
• Coordinate with assigned Relationship Associate to perform basic due diligence, gather documentation, and open deposit accounts.
• Coordinate with Relationship Associate on ongoing customer needs of the business.
• Interview prospective small, midlevel and large business loan customers in an effort to make a preliminary determination as to the nature and feasibility of the credit request.
• Assist in the analysis of financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements.
• Assist in the preparation of the Loan Committee Presentation and required supporting documentation. This package must be prepared in accordance with the standards established in the loan policy.
• Present to the Loan Committee for review and approval all loans in excess of the individual lending authority. This individual shall serve as a voting member of loan committee.
• Provide guidance to the loan document representative and commercial lending assistant in preparation of loan documentation.
• Monitor credit facilities once they are booked. Assess interim financial information, borrowing base reports and other supporting documentation. Assist in the collection of past due loan payments and must utilize support staff to obtain required information and to resolve file technical exceptions.
• Administer all problem credits, implementing the goals and objectives established and agreed upon through the completion of a problem workout strategy.
• Actively engage in business development. Bankwide goals for business development will be established through biweekly business development meetings. In this context, business development includes ongoing contact with existing commercial customers.
• Active involvement in community and civic affairs.
• Mentor junior lending officers in the credit extension process.
• 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:

• A. in accounting, finance, business administration or related field.
• At least three years of direct commercial lending experience with a combination of analyst and underwriting experience preferred.
• Experience in marketing to mid-market companies.
• 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