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Stockman Bank of Montana CONSUMER LENDER TRAINEE in Sidney, Montana

Vision/Mission

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. Our offices are locally managed and community-oriented, allowing us to best serve our customers and provide local decisions, fast turnaround, and flexible terms.

Position General Responsibilities:

Generate and administer a high-quality Consumer Loan Portfolio consistent with established lending policies. Provide backup lending support for Real Estate Loan Department.

Employees Supervised:

None

Education, Experience and Certification Requirements

Note: Only minimum responsibilities are listed. Other responsibilities may be required as requested by management.

Minimum Qualifications:

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.

Preferred Qualifications:

Previous lending/underwriting experience.

Previous Bank and/or sales experience helpful.

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- I 00% of shift

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 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:

Technical Knowledge

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.

Communication

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.

Organization/Planning

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.

Team Work/Professionalism

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

Dimension of Job:

This position will be responsible for analyzing, processing and servicing existing and future consumer loans. This professional will work within the community to expand consumer relationships with existing customers and develop new consumer relationships through a strong community involvement.

Position Specific Responsibilities, Duties and Competencies

Consumer Lending Functions (Consumer and Home Equity):

Knowledge of all available lending programs related to consumer loans.

Understanding and compliance with SB/SFC lending policies and procedures.

Origination of new and renewal consumer loans.

Documentation of consumer loans and consumer loan file management.

Responsible for origination of loan, producing loan documents, closing, file management and lien filings and insurance follow-up

Responsible for regulatory compliance - all consumer loans except real estate.

Home Equity, Credit Line and Overdraft Protection (Open End Credit). Review and make credit decision on new applications. Administer the credit file documentation process and collection activity.

Review lines of credit for potential increase, decrease or adverse action

Provide backup lending support for Real Estate Originator

Position Specific Responsibilities, Duties and Competencies continued

Indirect Consumer Lending Functions (Dealer Contracts):

Origination and documentation of dealer loans.

Supervision of assigned dealer contract lines and collections.

Adherence to loan limits.

Collection Function:

Direct contact with delinquent borrowers.

Recommendations for definite plans of action for collection of difficult accounts.

Supervision of consumer loans collection procedures.

Regular reporting of delinquent loans and loans in jeopardy.

Monitor past due totals and percentages and report to Senior Management.

Supervision of recordkeeping of property held for resale.

Develop and implement disposal plans.

Collection duties, as assigned for Real Estate loans.

New Business Development:

Responsible for generating new consumer loan business.

Regular contact with merchants who might refer business to Stockman Bank.

Call on prospective direct loan customers.

Refer potential customers to other bank personnel as appropriate.

Bank Organization:

Recommendation for improvements in policies and procedures, and the implementation of approved changes.

Assistance with goal setting for the Consumer Loan Department.

Regular information to all Bank personnel regarding changes in consumer loan policies, procedures, and government loan programs.

Participate in community related activities

Position Specific Responsibilities, Duties and Competencies continued

Conduct professional and personal life in a manner that is complimentary to the Bank.

Contribute to a harmonious relationship with other employees to provide and maintain the best possible work environment.

Promote the improvement of Stockman Bank through quality customer service, promotion of products, professionalism in conduct and diligent work ethic.

Pricing/Marketing/New Product Development:

Assist with development of new programs and products for consumer loan customers.

·New ideas for generation of income.

Recommendations as to loan pricing for profit and competitiveness.

Monitor our competition as to rates and prices.

Assistance with information of price changes.

Sales of Non-Credit Products:

Sales of credit life/credit disability insurance whenever possible.

Encourage credit insurance sales by all consumer lenders.

Federal Regulations:

Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E and Bank Security.

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