Our people, philosophy, and the way we do business have positioned Stockman Bank as Montana's premier financial center for business leaders, agriculture operators, commercial developers, and real estate owners. We are a Montana-born company, built on western values, focused on creating long-standing relationships through integrity, expertise, and results. Our offices are locally managed and community-oriented, allowing us to best serve our customers. Our workforce is well trained and competent, and our work environment encourages productivity, personal growth, and job satisfaction.
Position General Responsibilities
This position will assist the Commercial Lending Officers. It is accountable for loan processing and for relieving the officers of administrative detail, including tickler file and other varied secretarial and clerical duties as may be designated. Additionally, this position assists the Commercial Lender by spreading customer financial statements and analyzing them, identifying customer strengths/weaknesses. In addition, they prepare financial forecasts with the assistance of bankers to assist in the assessment of the borrower’s capacity.
Employees Supervised: None
Education, Experience, and Certification Requirements
Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management
I. 2-year college-level course of study in Business Administration and/or financial institution or related field experience or equivalent training and/or experience.
2. Excellent customer service skills.
3. Strong communication and organizational skills.
4. Must be able to work independently and prioritize multiple tasks.
1. Previous Loan Processing Experience.
Dimension of Job
This position will assist the Commercial Lending Officers. It is accountable for loan processing and for relieving the officers of administrative detail, including tickler file and other varied secretarial and clerical duties as may be designated.
Position Specific Responsibilities, Duties and Competencies Specific Responsibilities and Duties:
a. Preparation and processing of credit documents.
b. Modification of notes and extensions.
c. Commitment letters/letters of credit.
d. Disburse loans.
e. UCC-1-filing & tracking.
a. Pulling credit reports.
b. Filing /Correspondence/Photocopying.
c. Build/Maintain files.
d. Process paid and renewed notes.
e. Receive and make loan advance requests.
f. Receive and make payments/corrections.
g. Monitor lien filings.
h. Follow-up on the recording of lien filings such as UUC and mortgage filings.
i. Preparation and storage of closed & purged files.
j. Maintain Tickler File.
k. Monitor and prepare Letters of Credit.
J. Prepare comments for loan files; adverse actions letters.
k. Correspondence related to documentation of loan files
l. Prepare files for Audit.
Analyze and Process
a. Assist Lenders in analyzing existing and new customer credit requests
b. Work with Lenders and Loan Processor to coordinate the request/receipt of business and personal financial statements.
c. Coordinate timely spreading of financial statements with Credit Analysis.
d. Analyze statements, identifying customer strengths/weaknesses and questions/concerns to be raised to the client.
e. Prepare financial forecasts/Pro-forma statements in consultation with Lenders to assist in the assessment of borrower capacity.
f. Prepare financial analysis documentation (i.e. Routine Administration Checklist, Loan Documentation Checklist, Spreads, etc.) in consultation with the Lenders/manager, as appropriate, for review and approval by Lenders.
g. Reviews file documentation for completeness and correctness, in accordance with Front End
Guidance, Credit Policy, and Credit Process Procedures.
h. Manage annual credit review and file comments.
i. Working delinquent loan accounts by calling customers and follow-up with tickler list
j. Monitor existing credits for collateral review, interim statement review, loan covenant compliance, etc.
a. Notary Public.
b. Secretarial Support.
c. Greet and assist customers.
d. Answer phones, take messages, and assist with general account information.
e. Other duties as may be assigned.
a. Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct, and diligent work ethic.
b. Greet all customers pleasantly and make them feel welcome and comfortable.
c. Research for Customers and Accountants.
d. Handles transactions quickly and professionally.
e. Effectively handles customer questions and problems.
f. Uses effective listening and observing skills to help identify and resolve customer needs.
g. Spot sales opportunities and refer business consistently.
h. Cross-sell other services whenever the opportunity arises.
i. Keep up to date on pricing and products.
j. Relay customer comments and or complaints to the Operations Officer immediately.
a. Maintain a working knowledge of the Bank's written policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, and Bank Security.
Physical and Mental Demands
(The 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.)
Occasionally = 0-33% of shift Frequently = 34-66% of shift Constantly = 67-100% of shift
1. Constant lifting/carrying up to 10 lbs. with frequent lifting/carrying up to 25 lbs. Constantly required to hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with the needed ability for task management flexibility and to perform routine duties with attention for details. Constant abilities used/required on the job are mathematics, memory, reasoning, estimating, problem-solving and exercising judgment.
2. Frequently stand, walk or sit, while requiring oral and written communications with customers and transactions with guidance available.
3. Occasionally stoop, kneel, crouch, or crawl.
4. Infrequently climb (up ladders, etc.), balance (to reach items), or drive a car.
5. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
(The work environment characteristics described here are representative of those an employee will encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.)
1. Constantly works with others, around others, and with customers and the public. Constantly works indoors, in confined areas, and is exposed to the risk of electrical shock.
2. Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and customers while hearing teller machines (of other tellers), conversations of others, coin sorter, music, phones, etc., in a confined area.
3. Infrequently the employee works alone and also works near moving objects. The employee is also infrequently exposed to outdoor weather conditions.
Company Functions and Expectations
Has the technical knowledge and analytical skills to fulfill job duties in a positive manner. Keeps abreast of new and changing developments in industry/field especially as it pertains to the individual's position. Has the ability to analyze situations and react accordingly.
Expresses information/thoughts clearly and concisely in both written and verbal forms. Keeps communication channels open with subordinates and supervisors. Responds promptly to calls or inquiries in a courteous and professional manner. Communication is effective and efficient.
Establishes priorities, sets goals, and meets deadlines in an accurate and efficient manner. Organizes overall workflow and working area. Quickly identifies problems, makes timely decisions, and notifies affected personnel. Plans effectively to ensure timely completion of duties.
Is willing to assist others to ensure deadlines are met. Provides assistance to less experienced personnel when needed. Informs appropriate personnel of significant issues in a timely manner. Works well in a group environment and with a supervisor. Models professionalism by addressing others with appropriate actions and appearance within professional boundaries.
Customer Service Culture
Employees will strive for outstanding, professional, and courteous service to our customers and anyone who visits our facility.