Commercial Lender

About the role

The Commercial Lender is responsible for contributing to the department's growth and profitability with an extensive focus on business development activities. The employee develops and retains business relationships by meeting the financial services needs of commercial businesses. Additionally, the role involves successfully managing a portfolio of commercial banking relationships.

This position requires extensive contact with customers, vendors, the general public, and bank staff. The employee must interact in a professional and courteous manner to enhance the overall efficiency and image of the bank.

Responsibilities

• Meet or exceed annual loan production goals set by management.
• Obtain loan applications and interview clients. Analyze financial and related data to determine creditworthiness, appropriate pricing, and loan structure while ensuring prompt and fair service regardless of approval or denial.
• Confirm loan documentation is complete and correct prior to closing to ensure compliance with state and federal regulations as well as bank policy. Review all credit reports, financial statements, tax returns, title insurance commitments, and appraisals before closings.
• Monitor loan delinquency and proactively identify credit problems. Manage loan accounts for current documentation, performance, and total bank relationship. Respond promptly to exception and compliance error reporting to prevent or minimize potential losses.
• Stay current on loan programs, lending regulations (federal and state), and all compliance and bank policies. Participate in the preparation and presentation of commercial training sessions.
• Assist in processing new loan requests by approving, declining (if within lending limitations), or submitting recommendations to the loan committee. Support other Glacier Bank commercial lenders as needed.
• Meet or exceed annual loan production goals. Maintain a delinquency ratio of not more than 1%. Cross-sell bank products and refer clients to other departments or affiliate banks when appropriate. Maintain an aggressive customer call schedule with a minimum of 100 calls annually on existing and/or prospective customers.
• Maintain open communication with the Commercial Loan Manager by sharing and accepting suggestions and ideas. Promote teamwork and adapt to change while maintaining a positive attitude.
• Prepare month-end reporting requirements in a timely manner.
• Embrace the service pledge and provide consistent, extraordinary service to all internal and external customers. Listen to and address customer needs.
• Participate in required training, staff meetings, and lobby displays.
• Engage in community service and bank-sponsored activities that align with Glacier Bank’s mission and values.
• Provide superior internal and external customer service, demonstrating self-governance, courtesy, and respect.
• Complete required bank training courses within assigned time frames.
• Comply with all company policies, procedures, and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Complete assigned online training courses and achieve passing scores by due dates.
• Represent Glacier Bank professionally, maintaining a positive "can-do" attitude, flexibility, and adaptability to meet bank and customer needs.
• Maintain a tidy work area and ensure customer privacy.
• Consistently maintain regular and reliable attendance.
• Perform additional duties as requested or assigned.

Requirements

• High degree of attention to detail and excellent organizational skills to perform in a fast-paced environment.
• Ability to prioritize and organize heavy workloads with effective time management.
• Professional demeanor with consistent courtesy, customer service, and tact in a fast-paced, deadline-oriented environment.
• Ability to work quickly and accurately under pressure, meeting multiple and competing deadlines while making decisions based on regulations, company policies, knowledge, and experience.
• Ability to work both independently and in a team environment.
• Ability to understand and follow complex written and oral instructions.
• Effective verbal and written communication skills.
• Basic computer skills, including proficiency in word processing, spreadsheets, ten-key, and general computer applications.
• Working knowledge of standard office equipment.
• High school diploma or equivalent required.
• Previous lending experience and/or education.

Qualifications

• Preferred: Three to five years of experience as a Commercial Lender.
• Preferred: A moderate level of banking knowledge.
• Preferred: Bachelor’s degree.

Work Environment

This role is primarily performed indoors in a climate-controlled shared work area with moderate noise levels. Occasional travel (less than 10 days per year) may be required by automobile (as driver and passenger), commercial airlines, rental vehicles, and public transportation, including lodging in public facilities.

Physical Demands

The physical demands described are representative of those required to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Frequently required to sit; use hands in repetitive motions to finger, grasp, handle, or feel; and talk or hear.
• Occasionally required to stand, walk, lift, or reach with hands and arms. May also require climbing, balancing, stooping, kneeling, crouching, crawling, pushing, and pulling.
• Must be able to operate routine office equipment, including computer terminals, keyboards, telephones, copiers, facsimiles, and calculators.
• Must be able to work on a computer for an average of 6-8 hours per day when necessary.
• Must be able to work extended hours or travel off-site as required or requested by management.
• Must maintain regular, reliable, and timely attendance.
• Must be capable of climbing or descending stairs in emergency situations.
• Specific lifting abilities: Sedentary work involving exerting up to 10 pounds of force occasionally and/or negligible force frequently to lift, carry, push, pull, or move objects.
• Specific vision abilities: Close visual acuity required for preparing and analyzing data, transcribing, viewing computer terminals, extensive reading, and visual inspection involving small details.

Benefits

• Competitive starting salary dependent on relevant experience and geographic location.
• Extensive benefits package, including medical, dental, vision, and life insurance for employees and eligible dependents.
• Eligibility for a health savings account (HSA) option and an Employee Assistance Program (EAP).
• Health rewards program.
• Retirement savings plan, including 401(k) and Profit-Sharing plans.
• Short- and long-term disability benefits.
• Education and training benefits.
• Discounts on banking products and services.
• Generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for part-time employees, up to a maximum of 240 hours per year for certain full-time employees. Accruals depend on position, status, and years of experience.
• Full-time employees receive 6 paid holidays; part-time employees receive pro-rated paid holidays. Employees in Utah and Nevada may also be eligible for pay on certain state-recognized holidays.