Consumer Loan Officer

Do you LOVE where you work?  WE DO!!

Come work for a company that loves it community and celebrates it's employee!  Mountain West Bank.  Today. Tommorw. Together.  

Want to work for a company that has been in the Forbes TOP 20 Best Companies for the past 8 years?  Want growth potential?  Want to work for a company that has been voted one of the TOP 10 Best Companies to work for in Idaho for 6 out of the last 8 year?  Look no further, Mountain West Bank is the company for you!!  We have an excellent work place culture that celebrates it's employees and gives back to our communities.

Mountain West Bank is looking for a talented and motivated individual to be a Consumer Lender at our Ironwood Branch in Coeur d'Alene, Idaho.  This position is responsible for conducting loan interviews; selling multiple bank products; and services to existing and prospective customers.  The candidates must exhibit strong client focus, a technical capacity, be thorough and hold confidentiality in the highest regard.  This is a full time, 37 hour a week, position.  We offer competative salaries, excellent benefits and generous PTO.

Salary depends on experience, Min. $23.75 + 

DUTIES AND RESPONSIBILITIES:

• Maintain a working knowledge of loan, deposit, convenience, and non-deposit products.  
• Identify new and existing customers financial service needs by observation, listening and asking probing questions.  Describe the benefits and features of products and services that fill those needs.
• Interview customers and prospective customers for all types of loans, making referrals to other lenders and departments, as needed.
• Make every possible effort with every customer and prospective customer to obtain their complete retail banking relationship. Follow up on all inquiries, arrangements, and details as agreed upon with customers as part of the total personal financial counseling process.
• Complete all documentation for loans and get complete information for new accounts and other services.  Ensure adherence to legal regulations and Bank policy.
• Possess a working knowledge, or become completely familiar with all regulations and compliance issues relating to banking, but in particular those that apply to consumer lending.
• Verify all necessary loan information to include calculating loan to value, evaluation of proof of income, calculation of debt to income, credit report analysis, and risk assessment to the Bank.
• Be an active part of the retail banking team, participating in all promotions, events, duties, training, and activities, not just those that relate to consumer lending.  Maintain a good working rapport with all office staff and other departments by communicating in a courteous, helpful manner.  Respond positively to new products and services and changes in procedures.  Provide accurate and timely feedback and/or problem resolution to co-workers and supervisors.
• Attain a highly established sales performance standard for loans, per production dollar goals set by the Community Bank President.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

QUALIFICATIONS:

• High school diploma or equivalent.

• 1-3  years of experience in a financial institution resulting in a broad exposure to banking products and services offered.

• Basic understanding of credit analysis, loan structuring, collateral analysis, loan pricing and loan management.

• Excellent communication skills both verbal and written to maintain a heavy volume of correspondence, personal contact, and telephone communication.

• Ability to maintain strict confidentiality

• Ability to multi-task and handle complex tasks efficiently.  Strong organizational skills.

• Excellent customer service skills
  

 PREFERRED EXPIRIENCE:

• Knowledge of Mountain West Bank’s products and services

• Previous experience in consumer lending

   

 WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $11 billion, operating in numerous community bank divisions across 7 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado and Arizona). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.