Stockman Bank of Montana CONSUMER LENDER in Havre, Montana
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:
Generate and administer a high quality Consumer Loan Portfolio consistent with established lending policies.
Provide input to Loan Processor Supervisor regarding Loan Processor they work with.
Education, Experience and Certification Requirements
Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.
Strong commitment to providing exceptional customer service.
4 years business related college degree and/or equivalent experience.
1-3 years consumer underwriting and lending experience.
Strong credit analysis and decision making skills.
Strong time-management skills with ability to work independently and to prioritize multiple tasks.
Strong communication computer skills.
Previous lending/underwriting experience.
Previous Bank and/or sales experience helpful.
Dimension of Job:
Responsible for Consumer Loan Portfolio. Will have extensive public or telephone contact and is to conduct relationships in a manner that will enhance the overall marketing effort of the Bank. This position may be called upon to call (telephone, personal visit or letter) on customers or prospective customers and/or to participate with community organizations and community projects.
Position Specific Responsibilities, Duties and Competencies
Consumer Lending Functions (Consumer, Student Loans and Credit Cards):
Maintain an extensive knowledge of loan and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations.
Understanding and compliance with SB/SFC lending policies and procedures and documentation of consumer loans.
Origination of new and renewal consumer loans.
Lien filings and insurance follow-up.
Responsible for regulatory compliance – all consumer loans.
Credit card lending and overdraft protection. Review and make credit decisions on new applications.
Review lines of credit for potential increase, decrease or adverse action.
Student Loans – have knowledge of MGSLP and MHESAC.
Train back-up in Consumer Lending when directed.
Supervision of consumer loans collection procedures.
Direct contact with delinquent borrowers.
Recommendations for definite plans of action for collection of difficult accounts.
Regular reporting of delinquent loans and loans in jeopardy.
Monitor past due totals and percentages and report to Senior Management.
Supervision and record keeping of property held for resale.
Develop and implement disposal plans.
Adherence to loan limits.
New Business Development, New Product Development and Marketing:
Responsible for generating new consumer loan business, employee advantage and direct deposit.
Regular contact with merchants who might refer business to Stockman Bank.
Call on prospective direct loan customers.
Refer potential customer to other Bank personnel as appropriate.
Loan activity should be covered by insurance products when applicable.
Assist with development of new programs and products for consumer loan customers.
New ideas for generation of income.
Monitor our competition as to rates and prices.
Assistance with information of price changes.
Assistance with goal setting for the Consumer Loan Department.
Regular information to all Bank personnel regarding changes in loan policies, procedures and government loan programs.
Participate in community-related activities.
Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic.
Greet all customers pleasantly and make them feel welcome and comfortable.
Handle transactions quickly and professionally.
Effectively handle customer questions and problems.
Maintain an extensive knowledge of deposits, loan and non-deposit services by studying product information, bulletins, regulations and updates. Attend periodic training sessions and stay abreast of new procedures, marketing techniques, rules and regulations.
Maintain a working knowledge of Bank's written policies and procedures that apply to and concern this position’s area of responsibility, including general regulations such as the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and various other Federal and State regulations as they apply.
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
Constant lifting/carrying up to 10 pounds. with frequent lifting/carrying up to 25 pounds. Constantly required to hear, talk, write, read, keyboard/computer entry, reach, stretch, work under time constraints with 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.
Constantly stand, walk or sit, while requiring oral and written communications with co-workers, customers and transactions with guidance available.
Occasionally stoop, kneel, crouch or crawl.
Infrequently climb (up ladders, etc.), balance (to reach items) or drive a car.
Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and the ability to adjust focus.
Work Environment(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.)
Constantly works with others, around others, with co-workers in other departments or branches and with customers and the general public in person and via telephone. Constantly works indoors, in confined areas and is exposed to the risk of electrical shock.
Frequently works around noise (moderate level). The employee must have the ability to focus on tasks and customers while hearing machines, conversations of others, music, phones etc., in a confined area.
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 situation and react accordingly.
Expresses information/thoughts clearly and concisely in both written and verbal form. 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 group environment and with 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.