Banking Officer I-V, Denver Tech Center

Summary

Originate, process, and service the credit needs of businesses, consumers, and professionals within the marketplace and maintain and solicit related depository accounts and other fee-generating services. Provides support to all retail and Treasury Management functions, therefore must maintain a reasonable working knowledge of all operational functions.

Essential Duties and Responsibilities

• Servicing the credit needs of customer and prospecting requiring plant visits; obtaining financial and other information; performing or coordinating credit analysis; making loan presentation and recommending approval to Bank Loan Committee where required; and negotiating terms and conditions such as rates, collateral, guarantees, loan agreements, and other documentation.
• Applying ongoing administration and review of the credit until ultimate collection, including ongoing monitoring and grading of credit.
• Detecting potential problems and applying techniques of problem loan administration.
• Responsible for the daily management of a commercial loan portfolio, including, but not limited to, credit quality; compliance with the bank's policies and procedures, and applicable laws and regulations; and management of past due loan status.
• Overall portfolio may include consumer credits as well. In conjunction with Community Bank Presidents, may provide oversight and guidance to both commercial and consumer banking officers.
• Acting as relationship manager for assigned customers, ensuring customer satisfaction and the resolution of service problems for all bank products.
• Expanding customer base through networking and sales calling. Soliciting the business of non-borrowing customers as well as loan customers.
• Maintaining product knowledge to generate credit, deposit, and fee business.
• Participating in community involvement activities to enhance Bank's visibility, image, and reputation.
• Delivering the quality of service as defined by department standards.
• This position requires National Mortgage Licensing Systems (NMLS) registration under the terms of the S.A.F.E. Act of 2008. Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
• Provides support as needed to these functions, including transaction and exception approvals to include all deposits, wires, temporary limit increases, etc.
• Makes referrals to Financial Services department for clients seeking investment options not provided by the Bank.

Education and/or Experience

• Banking Officer I: 1 year of experience in consumer/retail or commercial lending as well as collections, or an equivalent combination of education and experience.
• Banking Officer II: Minimum 3 years of experience in commercial lines lending required, or an equivalent combination of education and experience. Increased ability to analyze credit and underwrite risk for commercial lines loans.
• Banking Officer III: Minimum of 5 years experience in commercial lines lending required. Higher developed skills in relationship management, business development, credit analysis, credit presentation, and underwriting skills than lower level lenders. Ability to manage loan portfolio of generally larger and more complex commercial lines loans.
• Banking Officer IV: Minimum 8 years of experience in commercial lines lending required, or an equivalent combination of education and experience. Proven level of highly developed skills in relationship management, business development, credit analysis, credit presentation, and underwriting skills. Ability to manage effectively every credit or customer relations situation presented including the most complex credits, participations, negotiations with attorneys, alternative pricing proposals, etc.