Description

The Commercial Banker II is responsible for soliciting, negotiating, underwriting and coordinating the closing of difficult commercial purpose loans, including but not limited to equipment, SBA, commercial construction and other business-oriented loans in compliance with the Bank’s lending policies and procedures. This position is responsible for a loan portfolio of over $25 million, and a combined portfolio (loan and deposits) over $50 million.

They are responsible for developing most of their own business deposit relationships with customers and promote business for the Bank by maintaining strong customer relations and referring customers to appropriate departments for additional services.

The position of Commercial Banker II meets personal, regional, and Bank goals, through active management of existing relationships and sales development efforts. Typically works on loans with complex loan structures.

Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Essential Functions:

• Actively manages and grows a portfolio of commercial relationships with the overall objective of maintaining asset quality and maximizing profitability. Negotiates, underwrites and processes renewals of credit facilities.
• Reviews NSF and overdraft reports for customers within their portfolio; approves or declines such exceptions within established lending limits.
• The Commercial Banker II calls on potential or existing customers to develop new business and retain or increase existing business. Portfolio is typically grown by generating their own leads.
• Analyzes financial information and prepares credit memorandums with limited support.
• Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends, including SBA opportunities.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds with applicants to resolve questions regarding information and/or structuring.
• Ensures timely and thorough monitoring of all credits through periodic reviews, continual analysis, and ongoing communication.
• Gathers and analyzes all information necessary to approve a financing request; meets with existing or potential customers; visit customer sites; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.
• Negotiates prospect loan pricing and structure with input from manager or Sr. Management.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes commitment, engagement, and Adverse Action letters.
• Assesses credit risk and assigns risk rating for loans in portfolio.
• Will act as a liaison between customer and management team when difficulty with loan repayment is identified. 
• Represents the Bank in various community, civic, and community functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
• Identifies cross sale opportunities of the Bank’s other products and services, is able to explain the benefits to the client and facilitates the implementation of the products for the client.
• May provide training and mentorship to other lenders. 
• Processes, solves, and answers complex customer transactions, problems or inquiries.

Skills:

• Ability to analyze and interpret complex financial statements and tax returns.
• Advanced sales and negotiating skills.
• Strong written and verbal communication skills and the ability to develop and maintain strong customer and internal relationships.
• Knowledge of branch operation procedures, bank products and services.
• Advanced math skills: ability to calculate interest, loan payments, commissions, proportions, and percentages; balance accounts and recognize mathematical errors.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Requirements

• Bachelor’s degree (BA) in Business or Finance and significant work experience in a commercial banking position; or the equivalent combination of education and experience in a related field. 
• Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Advanced experience, knowledge, and training in all commercial lending activities.
• Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.

About IFB

Idaho First Bank Idaho First Bank (IFB) is a full-service state-chartered community bank established in October 2005 and headquartered in McCall, Idaho. Known for its People First and Community First motto, the Bank serves the greater Southwest Idaho and Central Oregon communities. Branch locations include McCall, New Meadows, Eagle, Ketchum, Nampa, Boise, and Bend. Idaho First Bank is a member of the FDIC and an Equal Housing Lender. For more information, visit us at www.idahofirstbank.com

AA/Equal Opportunity Employer