Glacier Bancorp Consumer Lender in Fairfield, Montana

Requisition Number

18-1062

Post Date

3/30/2018

Title

Consumer Lender

City

Fairfield

State

MT

Bank/Branch

First Bank MT - Fairfield

Job Family

First Bank Montana

Part Time

No

Description

Summary/Objective: This position is responsible for conducting loan interviews; selling multiple bank products; and services to existing and prospective customers and has board approved lending limits. This position will be a combined Real Estate/Consumer

Lending Position.

Preferred Education and Experience:

Must have progressive experience in consumer and real estate lending.

Competencies

  1. Customer/Client Focus

  2. Confidentiality

  3. Technical Capacity

  4. Stress Management/Composure

  5. Thoroughness

  6. Communication Proficiency

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  1. Maintain a working knowledge of loan, deposit, convenience, and non-deposit products.

  2. Identify new and existing customers financial service needs by observation, listening and asking probing questions. Describe the benefits and features of products and services that fill those needs.

  3. Interview customers and prospective customers for all types of loans, making referrals to other lenders and departments, as needed.

  4. Make every possible effort with every customer and prospective customer to obtain their complete retail banking relationship. Follow up on all inquiries, arrangements, and details as agreed upon with customers as part of the total personal financial counseling

process.

  1. Complete all documentation for loans and get complete information for new accounts and other services. Ensure adherence to legal regulations and Bank policy.

  2. Possess a working knowledge, or become completely familiar with all regulations and compliance issues relating to banking, but in particular those that apply to consumer lending.

  3. Verify all necessary loan information to include calculating loan to value, evaluation of proof of income, calculation of debt to income, credit report analysis, and risk assessment to the Bank.

  4. Be an active part of the consumer banking team, participating in all promotions, events, duties, training, and activities, not just those that relate to consumer lending. Maintain a good working rapport with all office staff and other departments by communicating

in a courteous, helpful manner. Respond positively to new products and services and changes in procedures. Provide accurate and timely feedback and/or problem resolution to co-workers and supervisors.

  1. Attain a highly established sales performance standard for loans, per production dollar goals set by management..

  2. Reviews, counsels and assists in approving/declining loans for other departmental staff, as necessary.

  3. Assists in ongoing training of other loan staff, particularly in areas of expertise.

  4. 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

Apply today to join our fabulous team!

Full Time benefits include medical, dental, vision, flexible benefit plan, life insurance, voluntary life insurance, short term disability, paid sick leave, paid vacation leave, personal days, holiday pay and 401(k) with profit sharing contributions.

Our benefits also include:

• Promoting from within whenever possible

• Employer pays a significant portion of Employee’s and dependents medical insurance

• Verizon cell phone discount

• Numerous community service opportunities

• Employee loan discounts

• Discounted gym membership

• AFLAC supplemental insurance

Requirements

Required Education and Experience

  1. Bachelors Degree or higher preferred.

  2. 3-5 years of experience in real estate and consumer lending in a financial institution resulting in a broad exposure to banking products and services offered.

  3. Basic understanding of credit analysis, loan structuring, collateral analysis, loan pricing and loan management.

  4. Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.

  5. Ability to maintain strict confidentiality

  6. Ability to multi-task and handle complex tasks efficiently. Strong organizational skills.

  7. Excellent customer service skills

ADA Requirements

Physical Requirements

Is able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs. Must be capable of climbing / descending stairs in an emergency situation. 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.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic

mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities

from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines

/ requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

  • 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, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.