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Form of workRisk Management Assistant
First Dakota National Bank is hiring a full-time Risk Management Assistant to join our Sioux Falls team. This person will assist in the ongoing monitoring of credit quality and compliance with lending policies and procedures. Also assist in the compilation of the monthly, quarterly and annual portfolio reports and updating department policies and procedures as deemed necessary. Hours include Monday-Friday 8-5.
Essential Duties and Responsibilities include the following:
- Assist in preparation of branch and/or horizontal loan reviews. This may include preparing ‘line sheets’ for each credit, gathering credit approval documents and any other information that would be helpful in conducting the loan reviews, such as past due, non-accrual and overdraft reports.
- Assist in the loan review process by reviewing selected loans for compliance with loan policy, the approval process, laws, and regulations.
- Assess selected loans for appropriate documentation, general underwriting, monitoring and performance and risk rating accuracy.
- Assist in the compiling of Risk Management Summary Reports.
- Complete lender authority reviews.
- Assist with the compilation of data for the quarterly analysis of the Allowance for Credit Losses.
- Assist with creation, preparation, compilation, and distribution of monthly Credit Risk Committee Reports and quarterly Board Credit Risk Reports.
- Assist in compilation of monthly risk rating changes on the LER in conjunction with monthly reporting.
- Assist with the compilation of monthly reports on trends in watch, SM, and classified loans.
- Assist in the compilation of information regarding compliance with the bank’s lending policy.
- Assist in the Vendor Management process.
- Assist with Model Risk Management.
- Assist in completion of large loan pre-closing documentation reviews.
- Assist in completion of entity documentation reviews.
- Assist CRO with OREO monitoring, including insurance tracking and issuance.
- Assist CRO and Vice President of Risk Management with other duties as necessary.
Competency:
To perform the job successfully, an individual should demonstrate the following competencies:
- Design - Demonstrates attention to detail
- ProblemSolving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully
- Technical Skills - Pursues training and development opportunities; Strives to continuously build knowledge and skills
- CustomerService - Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments
- Interpersonal - Maintains confidentiality; Remains open to others' ideas and tries new things
- OralCommunication - Speaks clearly and persuasively in positive or negative situations; Listens and gets clarification; Responds well to questions; Participates in meetings
- TeamWork - Exhibits objectivity and openness to others' views; Gives and welcomes feedback
- Written Communication - Writes clearly and informatively; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information
- Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness
- Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values
- OrganizationalSupport - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities
- Adaptability - Adapts to changes in the work environment; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events
- Attendance/Punctuality - Is consistently at work and on time; Arrives at meetings and appointments on time
- Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate plan
- Initiative - Looks for and takes advantage of opportunities; Asks for and offers help when needed
- Innovation - Generates suggestions for improving work; Develops innovative approaches and ideas
- Judgment - Exhibits sound and accurate judgment
- Motivation - Measures self against standard of excellence
- Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently
- Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments
- Professional Attire - Adheres to the Bank’s policy for Career Apparel; Consistently meets Career Apparel standards; Demonstrates professional appearance during Bank hours or at after-hours Bank functions
- Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality
- Quantity - Completes work in timely manner
- Safety and Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Education/Experience:
- High school diploma or general education degree (GED)
- College degree preferred
- Language Ability:
- Ability to read and interpret documents such as policies, procedures, and credit documents
- Ability to write routine reports and correspondence
- Ability to speak effectively with customers and employees of the organization
- Math Ability:
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
- Reasoning Ability:
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form
- Ability to deal with problems involving several concrete variables in standardized situations
- Computer Skills:
- To perform this job successfully, an individual should have knowledge of Word Processing software; Spreadsheet software; Internet software, Loan Origination software, and Database software
- Certificates and Licenses:
- No certifications needed
Work Environment:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- The noise level in the work environment is usually moderate
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.
- Specific vision abilities required by this job include Close vision, Distance vision and Ability to adjust focus
- While performing the duties of this Job, the employee is regularly required to sit; use hands to type, handle, or feel; and talk or hear
- The employee may be required to reach with hands and arms
- The employee may occasionally be required to stand, walk, kneel or crouch
