Lending Officer jobs in Oregon

Description

A GREAT PLACE TO WORK AND BANK

Join our team! 1st Security Bank team members deliver service that "WOWs" each other and our customers. We value relationships, teamwork, community, and professional growth in a safe, friendly, and progressive workplace. We celebrate diversity and support equality for all. If you share these core values and are committed to career excellence, let us help you reach your dreams!

If you are the type of individual that would enjoy working at one of the Puget Sound's Best Places to Work for 7 years in a row and focuses on providing an exceptional client experience, then 1st Security Bank is the place for you. 1st Security Bank was named a bronze medal winner in its class in the Puget Sound Business Journal's Best Workplaces contest in its first year nominated and is also consistently rated a 5 star Bank in Washington State by Bauer Financial, an independent bank rating firm.

POSITION SUMMARY:

The Community Business Banking Officer plays a key role at 1st Security Bank and focuses on meeting the needs of the business community in assigned markets. The employee should have a strong reputation in the community and be highly visible in both community organizations as well as in the branches in their local market. This role serves as the business banker for new and existing customers and partners with branch employees to offer support and guidance on new relationships. Daily activities will focus on new client acquisition and the expansion of existing relationships. This is a sales and solutions position that develops new business, advises customers and bankers, and manages and retains business customer relationships.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

• Achieves assigned individual/team production goals focused on deposits, loans, and treasury products.

• Regularly conducts in-person calls with prospects, centers of influence (COIs) and existing clients.

• Develops a comprehensive understanding of client/prospect needs based on the review and analysis of personal and business financial data gathered through relationship reviews and/or prospect meetings with the intent to deliver value added financial services.

• Promotes and markets a broad range of bank products and services to promote the customer WOW experience.

• Completes visits to customers’ operations and documents observations; this may include visually inspecting the condition and value of loan collateral and evaluating customers’ management practices and expected repayment.

• Establishes loan structure and terms, conditions and covenants, and collateral requirements consistent with the credit request and associated risks.

• Prepares credit analysis and submits recommendations to supervisor or loan committee for action on existing loans and loan applications.

• Manages assigned accounts with the objective of providing efficient customer services and maximizing return; this may include coordination with other teams and portfolio groups.

• Actively builds and nurtures a client referral pipeline utilizing internal and external COIs.

• Participates in local communities and business/service organizations for networking opportunities.

• Develops a partnership team with business partners to facilitate a team environment and successfully recommend and deliver solutions to the customer.

• Provides leadership and coaching guidance to assigned branch teams around sales strategies, prospecting efforts, joint business calling and cross-training.

• Adheres to 1st Security Bank core values, policies, and procedures along with audit and compliance standards.

• Represents the Bank with a high level of integrity and supports management directives in a positive and professional manner.

• Performs other duties as assigned such as committee assignments and special projects.

YOU WILL BE ELIGIBLE FOR

• Full medical, dental, and vision coverage for individual or family plan.

• Life insurance.

• Long- and short-term disability insurance.

• 401K matching program.

• Paid sick and vacation time.

OUR CORE VALUES

• Relationship Driven - we strive to "WOW" (surprise, excite and delight) each other and our customers.

• Ethical - fair, honest and act with integrity.

• Lead by Example - maintain a positive attitude, show respect for others, and have some fun!

• Accountable - we take our responsibilities seriously and we meet our commitments with urgency.

• Team Player - dependable, enthusiastic contributor to team success and to the greater good of the bank.

• Embrace Dreams - we encourage each other to reach for our dreams.

• Diversity - we celebrate diversity and support equality for all.

• Community Oriented - we actively support our communities and the Bank's CRA initiatives.

• Open and Honest Communication - always professional, responsive, and timely.

Qualifications

EDUCATION and/or EXPERIENCE

• Degree in business, finance, or economics preferred.

• Agricultural lending experience preferred.

• 5 or more years Business Banking experience or equivalent.

• 5 to 10 years overall progressive banking experience in sales/management.

• Ability to demonstrate compliance with all bank regulations that pertain to this position and keep current with ongoing regulation changes.

• Knowledge of key bank regulations include, but not limited to, Know Your Customer, the Bank Secrecy Act, and Anti-Money Laundering policies, procedures, and related programs.

• Must be bondable.

PREFERRED SKILLS

• Proven ability to develop business relationships.

• Strong networking and relationship management skills.

• Working knowledge and understanding of treasury management products and services.

• Strong credit analysis and commercial underwriting skills, including accounting, financial statement, and cash flow analysis experience.

• Must have polished presentation and negotiation skills with customers and coworkers.

• Communication-strong written, verbal, and interpersonal relationship skills.

• Proficient in Microsoft Office products and other database software.

• Must be well organized as to time management, contact management and records management.

COMPUTER SKILLS

• To perform this job successfully, an individual should be proficient in Microsoft Office Products and other Database software.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The employee will operate in a general office environment, using office equipment such as a phone and a computer. The employee must be able to bend and squat occasionally when accessing safety deposit boxes or storage.

• The employee will be required to use transportation to visit client and potential client businesses in a variety of industries and work environments.

• The noise level in the work environment is usually quiet to moderate as compared to a private office with light foot traffic and office equipment. The employee must be able and willing to interact frequently with the public.

• Frequent travel required.