Commercial Loan Officer- Stevensville

  • First Security Bank
  • Stevensville, MT, USA
  • Sep 22, 2020
Full time Banking Finance

Job Description

About the Role

This position will report to the Branch President in Hamilton, MT; the job location will be in Stevensville, MT.   Recruitment is open until filled and applications will be reviewed as received.

The position serves as a representative to current and potential banking clients who require commercial loan services to meet their needs.  Position interviews and performs credit analysis on new and existing credit applications and arrives at a conclusion to recommend approval or to decline credit applications. Administers booking and monitors performance to include review and collection. Conducts visits to customers and community members to make existing and potential customers aware of bank services. Complies with all banking laws and regulations.

The position provides leadership and management for branch staff in working to expand and support the branch’s market share. The position is accountable for managing and reporting on the overall growth of the branch and is responsible for commercial lending and deposit gathering activity. Responsibilities also include overseeing branch operations, including providing input in budgetary planning and branch marketing activities. Position may be responsible for operational issues in the branch, such as branch audits, facility issues, and expense management. Position may supervise or provide oversight to new account and teller positions.


Take applications for commercial loan business. Review customer financial condition and assess the customer’s ability to repay the loan. Make underwriting decisions within approval authority. Complete or direct completion of all loan documents and closes loans.  Participate in developing lending and deposit business for the company. Call on clients to expand existing business; call on prospects seeking opportunities to expand the company’s client base.  Monitor existing loan portfolio to maintain a high-quality asset base. Maintain up-to-date client files including current balance sheets, profit & loss statements, cash flow projections, and all loan documentation. Assist customers with any loan-related questions and concerns.  Assist in the collection of past-due loans.

Work to expand and support the branch’s market share consistent with First Security Bank’s goals and policies. Provide management and leadership for branch staff to ensure the branch office effectively delivers financial products and services to existing and new customers.  Recommend changes in policies, branch procedures, and in the basic organizational structure to accomplish the bank branch objectives. Recommend budgetary needs and performance standards for the branch and monitor budgetary expenditures for the branch as well as performance levels. Achieve branch profitability, lending, and sales goals. Review management reports and selected computer reports for accuracy and completeness.  Contribute to the effective management of the branch by participating in the development and implementation of the short-and long-range strategies of the bank.

Manage staff and oversee the delivery of services to both internal and external customers. May conduct or assist with hiring team members within the branch. Ensure adequate coverage at all times. Communicate clearly and effectively with staff to provide instruction, guidance, and to develop trust and respect. Conduct regular coaching sessions with team members to review work performance, to provide training/mentoring, and to develop/acknowledge individual/group performance in achieving goals. Ensure compliance with procedures, bank policies, and government regulations. May conduct annual reviews and communicate results to staff, together with action items/goals and improvement plans as needed; ensure performance is at an acceptable level. Effectively document and address work/behavior/performance issues; consult with a supervisor and/or HR regarding formal disciplinary and/or termination procedures prior to taking action.  Effectively handle and resolve conflict and work with difficult employees and/or situations.  Effectively and positively lead the team through change while demonstrating positive attitude and behaviors.

Ensure that the branch is open and ready to conduct business each business day, delegate various operational duties to those supervised but assume overall administrative responsibility for operating the branch. Responsible for the general maintenance of the branch and that the area is clear of all physical impediments for the safety and security of customers, employees, and the branch assets. Ensure that all security procedures are strictly followed.  Effectively address and resolve customer inquiries and problems to ensure they are handled in an efficient and expedient manner.  Responsible for ensuring compliance with the Division Security Program for the branch; perform quarterly compliance reviews, and complete/submit required paperwork on a timely basis.

About You


  • Bachelor degree in finance or related field
  • Minimum of five years of demonstrated successful similar or related work experience
  • Must possess current valid driver's license


  • Courtesy, tact, and diplomacy are essential elements of the job. Relate to others in an open and accepting manner; friendly and approachable. Sense how others feel; treat others with fairness, dignity, and respect. Cultivate rapport with all persons encountered at work.  Communicate Effectively: Communicate effectively both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques.  Customer Service: We are a community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to embrace the FSB Way and to support our values and visions of Integrity, Service, and Success.  Teamwork: Demonstrate the ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.

  • Demonstrated skills, aptitude, and outstanding performance in the areas of professionalism, ethical behavior, confidentiality, quality management, adaptability, planning and organization, judgment/problem solving, individual responsibility and accountability, mathematical skills, analytical thinking, negotiation, networking, initiative, and results in orientation.  

Must be able to routinely perform work indoors in a climate-controlled environment with minimal noise. Must be able to work extended hours or travel off-site whenever required or requested by management. Travel to attend meetings/events and to meet with existing or prospective customers is required.

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 a computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or drive a vehicle to 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 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; and extensive reading.  Distance vision is required in order to observe persons in the lobby and remain aware of what is happening at all times.

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 $11 billion, operating in 15 bank divisions across 7 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, and Arizona). 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, 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.