Commerical Lender

Join Our Team as a Commerical Lender - First Security Bank & Trust

Are you an experienced and ambitious Commercial Lender looking to make a significant impact in a well-established community bank? First Security Bank & Trust in Hampton, IA, is seeking a skilled professional to join our team as a Commercial Lender. As a Commercial Lender, you will play a vital role in our mission to serve our commercial lending customers and support the growth and development of businesses in our community.

POSITION SUMMARY: This position is responsible for identifying, acquiring, and growing new relationships with commercial business customers to help the bank meet their strategic initiatives and objectives. This individual will also work diligently to retain existing borrowing customers. The lender will call on existing borrowers, new prospects, and evaluate customer needs and goals, while building positive relationships. This individual will work as a team member and exhibit strong support to those on his or her team. Manage a portfolio of $15MM - $30MM.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responsible for seeking, developing, and procuring loan and deposit opportunities in both new and existing borrower relationships, with a goal of increasing the bank’s overall loan portfolio and improving penetration in the bank’s trade territory.
• Interview loan applicants to determine their goals and needs and find opportunities and solutions through a “team approach.”
• Ensure quality loans by following established underwriting guidelines of the bank and government sponsored programs, credit administration requirements and bank approval process.
• Manage a loan portfolio of $15MM-30MM, with multiple credits over $1 Million.
• Promote an environment of teamwork by providing guidance and assistance to other lending team members, particularly the Commercial I Lenders, when needed and working in a respectful manner at all times.
• Monitor existing loan portfolio by keeping in contact with customers, ensure their needs are being met, and stay cognizant of developing trends in their business.
• Manage assigned portfolio proactively with consistent measurement of portfolio health, including timely financial collections, FS analysis and loss mitigation through delinquency and bad debt action planning.
• Maintain product knowledge of all bank services and cross-sell other bank products by referral to appropriate areas.
• May be asked to work with Ag borrowers as needed to satisfy customers’ credit requests.
• Attend appropriate business and lending related educational opportunities to stay current with business and commercial trends and other pertinent information.
• Participate in community activities, industry associations, business events, etc. to increase the bank’s visibility and to enhance new business opportunities.
• Participate in bank-sponsored events as outlined in financial institution’s “Community Events Program.”
• Perform additional duties as they become assigned or apparent

DESIRED KNOWLEDGE, SKILLS, & ABILITIES

• Ability to work in a mobile environment, keeping good communication with other team members, while maintaining a high level of confidentiality.
• Proven record of customer-focused, critical thinking skills.
• High level of sales and interpersonal skills in dealing with new prospects, clients, bank staff, and outside vendors.
• Ability to learn and interpret rules and regulations related to agricultural and commercial lending.
• Proficient in basic computer skills using Microsoft Office products.
• Strong organizational skills with ability to prioritize multiple tasks and work under pressure.
• Effective writing and verbal communication skills

QUALIFICATIONS

Education: Bachelor’s degree in Business or Finance, or an equivalent number of years’ experience in a relevant financial or business environment.

Experience: 4 years of lending experience, primarily working with commercial credits. Work experience should include preparing loan presentations for approval, serving existing customers and developing new business relationships.

*Statements included on this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements should not be construed as an exhaustive list of responsibilities, duties, and skills required. Accommodations will be made to allow for meeting the above requirements when it does not place “undue hardship” on First Security Bank & Trust.

About First Security Bank & Trust

First Security Bank & Trust has been serving customers in Iowa since 1903. Our dedication to providing excellence in community banking and our commitment to local decision-making has solidified our position as a trusted financial partner in the communities we serve.

At First Security Bank & Trust, we prioritize building strong relationships with our commercial lending customers. We understand their unique needs and challenges and offer a wide range of loan products and services to support their growth and success. Whether it's financing for real estate, equipment, or working capital, our dedicated team of professionals is committed to helping businesses thrive.

As a community-focused bank, we take pride in actively contributing to the well-being of our communities. We support local non-profit organizations, promote local economic development, and encourage our employees to get involved. Joining our team means becoming part of a company that values its employees, customers, and the communities we call home.

If you are a motivated and experienced Commercial Lender looking to join a dynamic team that prioritizes community impact and offers opportunities for professional growth, we encourage you to apply today!