At The Bank of Elk River, our passion is people. Our employees, our customers, and our community are the reason we love to come to work each day. We know that when people come together with a shared vision, amazing things happen. We are a company of ambitious, tireless people working together to build a better financial future for our customers and our communities.

Being in business for more than 135 years means we know what we are doing, and we do it well. We are constantly challenging ourselves to deliver better, faster, and more meaningful, personalized services. Our customers know our name and we know generations of business owners. We are committed to making a difference in our customers' lives through our unceasing pursuit of innovation and transcendence.

People join the Bank of Elk River for the opportunity of a new job but stay because they have found a dynamic, challenging career. Discover what is possible for you at The Bank of Elk River!

SUMMARY

This position is responsible for developing and managing a quality commercial loan portfolio. Provide exceptional customer service while managing all aspects of the borrowing relationship. Identify opportunities to broaden customer relationships and actively cross-sell the bank’s retail products and services to generate additional revenue. This position requires a strong knowledge of business cash cycles, cash flow analysis, real estate financing and financial statements.

SUPERVISORY RESPONSIBILITIES

None.

QUALIFICATIONS

To perform this job successfully, the individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and ability required. Reasonable accommodations may can be provided to enable individuals with disabilities to perform the essential functions.

**This position requires S.A.F.E. registration at the time of employment. The Nationwide Mortgage Licensing System (NMLS) web site (mortgage.nationwidelicensingsystem.org) provides the MU4R questions and registration required for employment in this position. Effective March 1, 2015, persons in this position must meet the Consumer Financial Protection Bureau loan originator qualification requirements and must comply with The Bank of Elk River policy related to these requirements. The loan originator qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements including additional screening.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Identifies commercial loan opportunities with new and existing customers and actively develops solutions to meet customer loan needs and expectations. Achieves bank loan growth, yield and portfolio quality goals and objectives. This includes collecting, reviewing, and analyzing financial statements and tax returns as part of the loan underwriting process. Identifies what bank products and services best meet the customer’s needs and financial circumstances and makes recommendations.
• Manages current customer relationships to ensure adequate review and oversight which include proper risk analysis and loan repayment performance.
• Monitors customer reporting covenants to minimize loan file exceptions. Maintains current loan file financial information including financial statements, tax returns, borrowing base certificates, titles, liens, and insurance policies.
• Actively calls on existing customers and potential customers to generate new loans to support bank loan growth, yield and portfolio objectives.
• Represents the bank in the communities we serve by participating in public events, volunteering, or serving on non-profit organizations, committees, boards, and area Chambers of Commerce.

• Assists Director of Commercial Lending and/or Senior Commercial Lenders with special projects, portfolio management or other tasks as assigned.

COMPETENCY

Leadership/Change Management

• Displays passion and optimism. Inspires respect and trust. Exhibits confidence in self.
• Develops workable plans and goals. Communicates change effectively.
• Ability to make timely decisions. Exhibits sound and accurate judgment. Supports and explains reasoning for decisions. Includes appropriate people in decision making process.
• Sets and achieves challenging goals. Assess appropriate risk level to accomplish goals. Demonstrates persistence and overcomes obstacles.

Business Acumen

• Understands business implications of decisions and demonstrates knowledge of market and competition. Aligns work with strategic goals. Displays orientation to profitability.
• Adapts to changes in the work environment. Changes approach or method to best fit the situation. Able to deal with frequent change, delays, or unexpected events. Manages competing demands.

Analytical/Problem Solving

• Gathers and analyzes information skillfully. Develops alternative solutions as needed.
• Sets goals and objectives. Develops realistic action plans.
• Demonstrates accuracy and thoroughness.
• Monitors own work to ensure quality.

Communication/Customer Service

• Responds promptly to customer needs. Solicits customer feedback to improve service. Responds to requests for service and assistance.
• Listens and gets clarification. Responds well to questions. Speaks clearly and persuasively in positive or negative situations. Demonstrates group presentation skills.
• Writes clearly and informatively. Edits work for spelling and grammar.

Professionalism/Personal Development

• Assesses own strengths and weaknesses. Pursues training and development opportunities and strives to continuously build knowledge and skills. Seeks increased responsibilities.
• Works with Senior Lender as mentors, as assigned by management,
• Contributes to building a positive team spirit. Exhibits objectivity and openness to others' views.
• Maintains confidentiality. Treats people with respect and shows sensitivity for cultural differences. Works ethically and with integrity.
• Follows policies and procedures. Supports organization's goals and values.
• Commits to additional hours of work when necessary to complete work on time.
• Accepts responsibility for own actions. Reacts well under pressure. Approaches others in a tactful manner.
• Meets productivity standards. Completes work in timely manner.
• Develops innovative approaches and ideas. Displays original thinking and creativity. Generates suggestions for improving work. Meets challenges with resourcefulness.

Technical Skills

• Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
• Ability to read, analyze and interpret financial reports, government regulations and legal documents. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from Board, managers, staff, customers, and the public.
• Proficient with Microsoft Office and other banking programs.

EDUCATION/EXPERIENCE

Bachelor’s degree (BA) from a 4-year college or university and a minimum of 3-5 years banking experience and/or the equivalent combination of education and experience.

CERTIFICATES AND LICENSES

Mortgage Loan Originator (MLO) license required.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to sit, stand, walk, reach with hands and arms, stoop, kneel, crawl, and use computer for extended periods. This employee may occasionally lift and/or move up to twenty-five pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with The Bank of Elk River’s “Code of Ethics Policy.” Each employee is expected to maintain an awareness of the laws, regulations, internal policies, and procedures that are appropriate for his/her position. Each employee must also comply with consumer protection laws that relate to his/her position.

The Bank of Elk River seeks individuals who share our core values of customer service, loyalty, and integrity. We are a community bank where our customers know they can count on our staff for experience, knowledge, and superior service to meet all their banking needs. The Bank of Elk River is an Affirmative Action-Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.