Job Summary
The Associate Banker will work with the market’s banking team to ensure sound portfolio administration and support business development efforts. The position will require strong collaboration with the market president, banking team, and the Credit Administration Department.
The Associate Banker’s primary role is to assist with underwriting and closing procedures, administer a quality loan portfolio, and work with the customer base alongside the business banking team. This role will accelerate the banking team’s sale efforts by managing their administrative responsibilities. The individual must have strong understanding of credit underwriting and structuring, internal credit administration policy/procedures, and be detail oriented.
The Associate Banker may manage a modest loan portfolio if all primary duties are adequately covered.
Essential Functions
Employees must be able to perform the essential functions of this position satisfactorily or make a request for reasonable accommodations as needed.
- Prepare loan presentations for the banking team.
- Help present recommendations to credit approvers.
- Manage credit administration processes such as annual reviews, trend cards, overdrafts, delinquent loans, conditions of credit approval, problem loan reports, etc.
- Prepare pre-flight presentations for prospective transactions.
- Negotiate with customers/prospects alongside banking team.
- Assist with executing loan documentation and closing transactions.
- Assist the market’s business development efforts by managing SalesForce prospect lists and activity logs.
- Manage a modest loan portfolio.
- Partner with internal stakeholders on projects and other initiatives to improve the operations and culture of the Bank.
- Identify and provide recommendations for internal process improvement.
- Foster a collaborative and winning culture for the market and bank.
Education & Experience
- Bachelor’s degree from an accredited four-year college or university and 2+ years of experience in community banking or an equivalent combination of education and experience.
- Strong interpersonal skills with emphasis on relationship building both internally and with clients and prospects.
- Strong credit/analytical skills.
- Highly detail oriented.
- Highly developed communication skills including the ability to write clear and concise credit correspondence.
- Capability to manage various relationships independently and proactively and effectively manage multiple priorities.
- Ability to advocate persuasively.
- Ability to learn and multitask efficiently.
- Proficient with technology including MS Excel, MS outlook, Moody’s underwriting, and SalesForce.
- At least two years of analyzing, negotiating, and/or structuring loan transactions in a business bank lending environment.
- Credit analysis training or experience appropriate for the job requirements.
We offer the opportunity for career growth and development in a professional and pleasant working environment. We offer a competitive salary and exceptional benefits package including:
- Health Insurance-Dacotah Bank pays 100% of the premium, family and individual coverage
- Dental Insurance-Dacotah Bank pays 100% of the premium, family and individual coverage
- Health Savings Account
- Life Insurance for the employee and family
- Paid Vacation and Sick Time
- Retirement Plan Options
- Additional Perks and Benefits
Learn more & Apply at www.dacotahbank.com/careers. Don’t miss out on your opportunity to shine with one of American Banker’s Best Banks to Work For.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35©
Job Type: Full-time
Benefits:
- 401(k)
- 401(k) matching
- Dental insurance
- Employee assistance program
- Health insurance
- Life insurance
- Paid time off
- Parental leave
- Vision insurance
Work Location: In person
