Commercial Loan Officer

Key Responsibilities

• Portfolio Management: Oversee and monitor an existing loan portfolio, ensuring financial health, covenant compliance, and timely renewals
• Business Development & Retention: Generate new commercial loan and deposit relationships while maintaining and growing existing client partnerships
• Underwriting & Loan Structuring: Analyze financial statements and tax returns to assess credit risk and structure loans (CRE, C&I, SBA) with appropriate terms and collateral
• Credit Presentations: Prepare detailed credit memos and present loan requests to the Credit Committee
• Community Involvement: Serve as a representative of the bank by participating in local events, organizations, and community initiatives

Qualifications

• Minimum of 5 years of commercial lending experience
• Proven success in business development and portfolio management
• Strong credit analysis and underwriting capabilities
• Excellent interpersonal, communication, and relationship-building skills
• Self-motivated with a strong work ethic and innovative mindset
• Experience with banking systems, technology, or process improvement is a plus
• Proficiency in Microsoft Office (especially Excel), financial analysis tools, and CRM systems
• Willingness to relocate and become part of the local community

Education & Knowledge

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field preferred (not required)
• Completion of a formal credit training program highly preferred
• Solid understanding of federal and state banking regulations

Why This Opportunity?

• Work with a stable, well-managed community bank
• Enjoy autonomy and local decision-making authority
• Build lasting relationships with local businesses and community members
• Live and work in Northwest Montana, offering exceptional outdoor recreation year-round