SENIOR CREDIT OFFICER-MISSOULA MARKET

Position General Responsibilities:

Work closely with the Market President on the credit portfolio to include assisting with monitoring of loans and market trends, loan administration, loan structuring and loan committee guidance.  This position will assist the Market President with providing development and training of loan officers in the market to include development in credit analysis, underwriting, approval, new business development and overall credit administration.  Support the local Northwest loan committee by acting as a co-vice chair of the committee.

Basic Qualifications:

1. Bachelor’s degree in business, finance, agricultural business or equivalent education/work experience.
2. A minimum of fifteen to twenty years previous lending experience to include analyzing credit requests, collateral analysis, obtaining and monitoring government guarantees, budget monitoring, proper structuring and pricing of commercial loans and collections.  
3. Strong ability to communicate and collaborate with others.
4. Solid understanding/knowledge of SBA and MBOI lending programs.
5. Proven aggressive history of solid business development and strong sales abilities.
6. Strong desire to increase Stockman Bank market-share by developing networks and contacts, community involvement and participation and diligent work ethic.
7. Demonstrated ability to provide information in concise verbal and written formats.
8. Strong commitment to providing exceptional customer service.

SPECIFIC SKILL REQUIREMENTS:

1. Action Orientation – taking initiative to achieve desired results rather than passively waiting for direction.
2. Applied Learning Ability – understanding new information and complex ideas quickly and without confusion.
3. Strong Communication Skills (written and verbal) – ability to communicate complex information in an easily-understandable format to audience of varied knowledge level.
4. Creative Problem-Solving Ability – looking for solutions to achieve desired results.
5. Strong Interpersonal Skills with ability to interact effectively with all levels of management.
6. Professionalism – maintaining professional actions, image, and work ethic.

Dimension of Job:

Work with Market President and lenders to develop new/existing banking relationships.  Assist junior lenders in their administration of individual loan portfolio.  Assist in the development of the market’s lending staff.   

For full description, which includes physical mental demands please see attachment.