[Hiring] Commercial Lender @Stearns Bank NA.

Role Description

Develop and manage lending relationships for the purpose of generating loan requests that meet established lending requirements, which provide maximum profitability to the bank with a minimum risk. Responsibilities include managing a loan portfolio to increase balances and profit, and decrease past dues, charge-offs, and other loan problems. Ability to work within the bank’s national lending platform under various programs.

Responsibilities

• Develop an ongoing personal business development plan that utilizes a structured calling program to generate new loan growth and fee generation based on business unit KPIs.
• Collect necessary information from loan applicants for proper underwriting; respond to the credit department’s questions regarding credit worthiness.
• Provide information on the status of loans in process and approved but not closed (pipeline and backlog report).
• Make timely decisions on loan applications within granted authorities.
• Ensure accuracy of loan grading, documentation, performance, clearing of exceptions, and follow-up on all loans in assigned portfolio.
• Actively work existing customer base for referrals to garner new business.
• Maintain a list of delinquent accounts and log collection efforts; contact delinquent accounts via telephone, personal visits, or correspondence.
• Monitor loan repayment for loans in assigned portfolio and take necessary action to collect past due loans.
• Participate in community activities to increase the bank’s visibility and seek new business opportunities.
• Promote bank services, seek referral opportunities, answer customer questions, and direct customers to appropriate personnel.
• Effectively use bank systems and technology for lead tracking, opportunities, file notes, underwriting, processing, closings, and servicing workflows.
• Maintain knowledge of all legal and regulatory compliance issues related to this position.
• Ensure loss prevention and security as applicable to this position.

Qualifications

• Bachelor’s degree from a four-year college or university preferred, but experience will be considered in lieu of a degree.
• Proven track record in commercial lending, specifically for commercial and commercial real estate loan requests.
• Relationship management skills for commercial, small business, and personal relationships.
• Highly developed analytical and underwriting expertise with a focus on credit quality.
• Portfolio management experience required.
• Strong oral and written communication skills.
• Proficient computer skills.
• Excellent customer service skills.

Requirements

• Occasionally lift and/or move up to 25 lbs.
• Ability to understand and follow instructions in English.
• Ability to sit for extended periods, twist, bend, sit, walk, and use hands for various tasks.
• Specific vision abilities required include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.

Benefits

• Employee Stock Ownership Plan & 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Parental Leave and Medical Leave: With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
• $5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance, Health Insurance Premiums
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
• 10 Days Sick Time
• 11 Paid Holidays
• 4 Days Volunteer Time
• 2 Days Self Allowance Time
• Tuition Assistance