Commercial Banker

SCHEDULE: Full-time; Monday through Friday (8:00 am – 5:00 pm) with some evenings and weekends, average of 40 hours/week.

LOCATION: 3610 Williams Blvd SW, Cedar Rapids, IA 52404

BENEFITS: Our employees are our most valuable assets, so we invest in them with a comprehensive and competitive benefits package. Our philosophy of taking care of the customer extends to taking care of our employees so that they, in turn, can take good care of themselves and their families. Join Hills Bank and let us surprise you with even more perks!

SCOPE:

The position involves preparing the candidate for a commercial and agriculture lending position. The commercial lending position will involve selling commercial and agricultural loans and deposits/services to commercial clients, their managers and their employees. The Commercial Banker will spend 9 to 12 months working in both the Credit Underwriting Department and in the Commercial Lending Department. In the Credit Underwriting Department, the Banker will learn how to originate, underwrite, and manage commercial and agricultural loans in accordance with the established lending objectives, policies, and procedures. The training process will include a combination of individual training conducted by the credit underwriting staff, hands on experience gained by assisting with the underwriting process for new loan requests and the review of existing relationships. In the Commercial Lending Department, the Commercial Banker will learn how to sell loan and deposit products and services the Hills Bank Way, understand our competitive advantages and develop lasting relationships. In addition, the candidate will receive general training on loan servicing processes, Credit Quest, and applicable regulations.

ACCOUNTABILITIES:

Credit Underwriting:

• The Commercial Banker will assist with the underwriting process for loans originated by the commercial lending function of the bank. The underwriting process involves determining the adequacy of the primary and secondary repayment source, analyzing supporting financial information, providing recommendations on loan structuring and pricing, determining adherence to loan policy and reviewing credit reports. The Commercial Banker will work closely with the lending staff to complete loan presentations for weekly loan committee meetings. The Commercial Banker will attend the loan committee meeting and will be expected to provide input during the loan discussion. This responsibility will involve extensive communication with the lending staff and will involve contact with the customer.

Analysis of Ongoing Financial Information:

• The Commercial Banker will analyze financial information received from existing loan customers and make an assessment of the credit quality of the relationship. The financial review process involves assigning risk ratings to the credit relationship and documenting the decision on the financial review forms. The process will involve ongoing communication with the commercial lending staff and may include communication with bank examiners and external loan review personnel.

Sales Responsibilities:

• The Commercial Banker will participate in the Bank's business development activities through individual and joint sales calls, represent the Bank in community organizations and promote the Bank's favorable image. Maintain favorable customer relations and cross-sell Bank services through needs identification thus ensuring the most positive and profitable relationship exists between the Bank and its customers. Ensure prompt and courteous response to customer inquiries. Learn to provide referrals to various departments; Commercial Deposits, Mortgage Lending, Retail and Wealth Management. The banker will learn to interview applicants and request specified information for loan application; request appraisals, obtain credit reports, reference checks, and other information pertinent to evaluation of loan application and correspond with or interview applicant or creditors to resolve questions regarding application information. In addition the banker will participate in the weekly roll up meetings and monthly commercial sales meeting to gain an understanding of the commercial sales process.

EDUCATION AND SPECIAL REQUIREMENTS:

• Bachelor's degree (B.A.) from a four-year college or university in the field of business, including specific courses in accounting, finance, and economics; or a minimum of 2-3 years banking experience and/or training; or equivalent combination of education and experience.
• This job requires skills needed in a typical office environment. This includes computer skills as well as utilization of office equipment.
• Must sign a non-compete.

EQUAL OPPORTUNITY EMPLOYER