commercial loan officer.

Responsibilities:
-Ability to analyze credit requests and make sound credit decisions in a timely manner. Ability to properly structure and price loan relationships.
-Process commercial and commercial real estate loan requests.
-Prepare, present and recommend loan requests to Loan Committee.
-Detailed knowledge of commercial, consumer, residential (secondary market), students loan and credit card.
-Identify problem or potential problems and establish workout plans. Management of acquired (commercial) real estate property. Collection of past due accounts; etc.
-Keep informed of SBA, FMHA, and MBOI loan programs.
-Back-up responsibility for residential construction loans.
-Oversee loan closings as required.
-Maintain knowledge of risk ratings and overall loan portfolio performance.
-Monitor Commercial and Consumer Departments for compliance with policies, procedures and regulations.
-Assist with analysis to determine Bank's adequacy of Loan Loss Reserve.
-Service requests and call on present customers to maintain existing business and generate profitable new business (borrower & depositor relationships).
-Identification and solicitation of prospective customers to generate new business including borrowing and depositor relationships.
-Thorough understanding of all deposit, non-deposit and loan products with the ability to sell.
-Maintain knowledge of competitors? products and prices and governmental agency programs and prices.
-Develop and maintain an effective calling program.

Working hours: 8:00 AM - 5:00 PM

Skills:
-Action Orientation - taking initiative to achieve desired results rather than passively waiting for direction.
-Applied Learning Ability - understanding new information and complex ideas quickly and without confusion.
-Strong Communication Skills (written and verbal) - ability to communicate complex information in an easily-understandable format to audience of varied knowledge level.
-Creative Problem Solving Ability - looking for solutions to achieve desired results.
-Strong Interpersonal Skills with ability to interact effectively with all levels of management.
-Professionalism - maintaining a professional attitude, image, and work ethic

Education:
Bachelors

Experience:
4-7 years

Qualifications:
-Bachelor's degree in business, finance, agricultural business or equivalent education/work experience.
-A minimum of 3-5 years previous lending experience to include analyzing credit requests, collateral analysis, obtaining and monitoring government guarantees, proper structuring and pricing of commercial loans and collections.
-Working knowledge of Word, Excel, Access or related software.
-Solid understanding/knowledge of SBA and MBOI lending programs.
-Proven aggressive history of solid business development and strong sales abilities.
-Strong desire to increase Valley Bank of Kalispell's market-share by developing networks and contacts, community involvement and participation and diligent work ethic.
-Demonstrated ability to provide information in concise verbal and written formats.
-Strong commitment to providing exceptional customer service.


Apply now at www.spherion.com/apply/75034

Spherion has helped thousands of people just like you find work happiness! Our experienced staff will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temp-to-perm or direct hire opportunities, no one works harder for you than Spherion.

Equal Opportunity Employer: Race, Color, Religion, Sex, Sexual Orientation, Gender Identity, National Origin, Age, Genetic Information, Disability, Protected Veteran Status, or any other legally protected group status.

At Spherion, we welcome people of all abilities and want to ensure that our hiring and interview process meets the needs of all applicants. If you require a reasonable accommodation to make your application or interview experience a great one, please contact Callcenter@spherion.com.

Pay offered to a successful candidate will be based on several factors including the candidate's education, work experience, work location, specific job duties, certifications, etc. In addition, Spherion offers a comprehensive benefits package, including health, and an incentive and recognition program (all benefits are based on eligibility).