Park City, Utah, USA
8 days ago
Commercial Loan Officer
About The Role First Community Bank Utah isseeking a highly motivated Commercial Lender with business lending experience in the Park City / Heber City area. We are seeking a highly motivated individual with proven sales experience to analyze loan requests and make strategic decisions on credit and lending needs to achieve customer satisfaction, while always adhering to policies and practices. DUTIES AND RESPONSIBILITIES: Participate in commercial business development activities Interview business loan applicants to develop information concerning their loan needs, earnings, and financial conditions Analyze current financial position of customers to determine the degree of risk involved in extending credit or lending money Make decisions to approve, disapprove, or forward the loan request to higher levels for decision Explain loan programs to customers, evaluates their needs and recommends loan options Establish the terms and conditions for a loan approval and reviews them with the customer Prepare and/or review all loan documents for completion and accuracy and closing loan transactions Follow current loans to ensure compliance with terms and coordinates with collections Stay informed of current trends in business credits Other duties as assigned ADDITIONAL RESPONSIBILITIES Must comply with applicable laws and regulations, including but not limited to: the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Adhere to the FCBU Bank Values and Purpose Keeps management appropriately informed of area activities and of any significant problems Provide superior internal and external customer service: must demonstrate self-governance, courtesy and respect towards external customers as well as internal customers (all organization personnel). Professionally answer phones within a timely manner, greeting all customers, learning their names, discussing reasonable solutions by having a solid understanding of bank products and services, demonstrating leadership to resolve customer issues and provide relevant assistance while being courteous and respectful. Represent FCBU in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility, and adaptability in meeting bank and customer needs. Keep work area tidy and maintain highest integrity of sensitive information. Attends and participates in weekly or bi-weekly One-on-Ones, as well as meetings and trainings as required. Promote behaviors to support and track Key Performance Indicators About You QUALIFICATIONS: Two to five years of similar or related experience, including time spent in a preparatory positions A Bachelor's Degree in Business or related field with an emphasis on Financial or Accounting or equivalent of education and experience KNOWLEDGE, SKILL, ABILITY Regular and predictable attendance in order to accomplish, among other things, in-person contact with customers. Knowledge fo company loan services, policies, and procedures Understanding of related legal and regulatory standards and required loan documentation Proficiency in Excel and Microsoft Word Storng customer service and interpersonal skills Strong verbal and written communication skills Strong organizational and decision making skills Strong negotiation skills Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner Respect others, regardless of individual capabilities, agendas, opinions or needs Confidentiality: Maintain strict confidentiality regarding any information obtained during the course of performing job duties; adhere to Bank policies and procedures regarding confidentiality First Community Bank of Utah will conduct a credit and background screening as a part of the pre-hire process. SCHEDULE: Monday - Friday, 8:00 am - 5:00pm WORK ENVIRONMENT: While performing the duties of this job, the employee will work primarily in an office environment. The noise level in the work environment is usually moderate PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation. Specific lifting abilities required by this position include lifting and or moving up-to 20 lbs. Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes. What We Offer COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays. COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you. Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $20 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength. We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws. Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US. No Recruiters or unsolicited agency referrals please.
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