Develop, originate, process, and service all the Bank's personal, professional, agricultural, and commercial customers, both borrowing and non-borrowing. The primary objectives are to develop and maintain a profitable loan portfolio at a minimum and prudent risk level in conformance with guidelines outlined in the Bank's loan policy manual. Ensure continuing customer satisfaction by practicing good customer service techniques. This position requires a commitment to the community and residency within the Lakeville area or a minimal distance outside Lakeville proper.
Roles & Responsibilities:
- Interview loan applicants, collect and analyze financial and related data to determine the general creditworthiness of the prospective loan request, screen credit applications, and make credit decisions.
- Assist, as necessary, in the credit approval process
- Establish and negotiate the terms under which credit will be extended
- Advise customers, where possible, on business management and financial matters
- Actively solicit new business prospects through direct calls. Also, cross-sell bank services
- Develop and present material for loan requests to the Officer Loan Committee and other credit committees
- Participate in community affairs to increase the Bank's visibility and to enhance new business opportunities
- Call directly on existing customers to solidify an ongoing relationship
- Meet with new and existing borrowers to review credit/deposit/investment needs and develop referral sources
- Supervise the preparation of loan underwriting, review, and loan closing documents
- Follow up on loan documentation and overall financial and repayment performance
- Monitor loan repayment activities and take the necessary action to collect past-due accounts
- Coach staff personnel in preparing loan documents, correspondence, and customer follow-up
- Join other lenders in managing credit lines and assisting in reviewing and approving
- Share in achieving Departmental and Bank goals related to credit quality and profitability
- Participate in Bank staff meetings
- Originate and service commercial loans/deposits to contribute to the development of a sound and profitable commercial loan portfolio
- Ensure minimal loss from outstanding commercial loans through effective utilization of the Bank's loan policy procedures
- Ensure timely and accurate compilation and preparation of file comments and credit review for use by the department head, the Commercial Loan Committee, and the Officer Loan Committee
- Participate in the Bank's customer calling program to promote and cross-sell Bank services to further develop current and new customer relationship
- Actively participate in community affairs and civic organizations to promote not only the Bank but the incumbent as well
Required Skills and Experience:
- The position requires a BS/BA Degree (Business/Accounting preferred) and/or banking experience equivalent to fulfill the requirements of the position
- A minimum of 5 years of banking experience with 3 years in Commercial Banking preferred
About Versique:
At Versique, we believe people are more than a resume. People invent, propel, unearth, and build. They transform teams, markets, industries, and bottom lines. People do more than fill an open position. They open greater potential. We're here to help fill your human potential and build your human capacity. The Versique brand represents a powerful combination of "versatile" and "unique," hinting at the concept of "search" in its pronunciation.
In 2023, Versique made the Inc. 5000 list of fastest-growing private companies, and the Minneapolis-St. Paul Business Journal's Fast 50 list for fastest-growing private companies in Minnesota. Additionally, for the past four years, Versique has been recognized as a Star Tribune Top Workplace and awarded a Best Place to Work in 2022 by the Minneapolis/St. Paul Business Journal, which speaks to the incredible culture we've fostered.
We believe people are the ultimate business advantage. Let's find your people together. And make the best possible.
Versique is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants regardless of race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, or veteran status.
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