What are the responsibilities and job description for the Financial Solutions Specialist position at Granite Bank?
Company Overview
Granite Bank is a locally owned community bank that's one of the fastest-growing banks in Minnesota. We're committed to helping people achieve their financial goals and homeownership aspirations. Our team is dedicated to providing exceptional service and tailored solutions to businesses in our region.
Job Description
The Commercial Lender will be responsible for delivering customized financial solutions to businesses while fostering strong relationships within the community. This role involves understanding client needs and offering tailored commercial lending options with an emphasis on serving diverse businesses in our region.
Key Responsibilities:
* Actively prospect, develop, and manage new commercial business lending opportunities by networking, relationship-building, and leveraging community ties.
* Review financial statements, tax returns, business plans, and other relevant documents to assess the creditworthiness of potential clients and make informed decisions on loan structuring.
* Design and propose flexible, business-specific loan solutions that meet client needs while ensuring compliance with Granite Bank's lending policies and industry regulations.
* Work closely with Granite Bank's departments to ensure efficient loan processing and maintain a smooth experience for customers.
* Research market trends and local economic conditions to identify risks and new business opportunities for Granite Bank.
* Conduct thorough risk assessments of potential and existing loans to identify and mitigate risks. Monitor loan performance regularly and implement risk management strategies to ensure loan quality.
* Ensure compliance with internal policies, regulatory requirements, and industry best practices at every stage in the lending process.
Required Skills and Qualifications
* Bachelor's degree in Finance, Business Administration, or a related field.
* ~3-5 years of experience in commercial lending, credit analysis, business banking, or a related financial role.
* Proficient in analyzing financial statements, cash flow projections, balance sheets, and other key financial data.
* In-depth understanding of credit risk management principles, including assessing and mitigating risks.
* Strong knowledge of commercial lending processes, including financial analysis, credit risk assessments, loan structuring, and documentation.
* Able to present complex financial information clearly and concisely to clients, stakeholders, and team members, ensuring mutual understanding and alignment.
* Strong analytical and critical thinking skills, with the ability to assess risks, evaluate alternative solutions, and make sound, data-driven decisions in the lending process.
* You handle confidential information with discretion and maintain trust in all business dealings.
Benefits
Granite Bank is an Equal Opportunity Employer.
Granite Bank is a locally owned community bank that's one of the fastest-growing banks in Minnesota. We're committed to helping people achieve their financial goals and homeownership aspirations. Our team is dedicated to providing exceptional service and tailored solutions to businesses in our region.
Job Description
The Commercial Lender will be responsible for delivering customized financial solutions to businesses while fostering strong relationships within the community. This role involves understanding client needs and offering tailored commercial lending options with an emphasis on serving diverse businesses in our region.
Key Responsibilities:
* Actively prospect, develop, and manage new commercial business lending opportunities by networking, relationship-building, and leveraging community ties.
* Review financial statements, tax returns, business plans, and other relevant documents to assess the creditworthiness of potential clients and make informed decisions on loan structuring.
* Design and propose flexible, business-specific loan solutions that meet client needs while ensuring compliance with Granite Bank's lending policies and industry regulations.
* Work closely with Granite Bank's departments to ensure efficient loan processing and maintain a smooth experience for customers.
* Research market trends and local economic conditions to identify risks and new business opportunities for Granite Bank.
* Conduct thorough risk assessments of potential and existing loans to identify and mitigate risks. Monitor loan performance regularly and implement risk management strategies to ensure loan quality.
* Ensure compliance with internal policies, regulatory requirements, and industry best practices at every stage in the lending process.
Required Skills and Qualifications
* Bachelor's degree in Finance, Business Administration, or a related field.
* ~3-5 years of experience in commercial lending, credit analysis, business banking, or a related financial role.
* Proficient in analyzing financial statements, cash flow projections, balance sheets, and other key financial data.
* In-depth understanding of credit risk management principles, including assessing and mitigating risks.
* Strong knowledge of commercial lending processes, including financial analysis, credit risk assessments, loan structuring, and documentation.
* Able to present complex financial information clearly and concisely to clients, stakeholders, and team members, ensuring mutual understanding and alignment.
* Strong analytical and critical thinking skills, with the ability to assess risks, evaluate alternative solutions, and make sound, data-driven decisions in the lending process.
* You handle confidential information with discretion and maintain trust in all business dealings.
Benefits
Granite Bank is an Equal Opportunity Employer.
