This position provides loan administration, portfolio management, and credit underwriting support for the regional commercial and agricultural banking teams. The role assists commercial and ag lenders with underwriting, documentation, monitoring, and ongoing administration of a commercial and/or agricultural loan portfolio. The position supports designated markets within a region and requires frequent travel between markets.
Responsibilities:
Credit Underwriting & Financial Analysis
- Analyze and spread farm and commercial financial statements for existing and prospective ag and commercial clients.
- Analyze interim financial statements and other supporting documentation for existing borrowers.
- Assist with the preparation and review of loan committee and “litmus” presentations, annual credit reviews, and problem loan summaries.
- Work closely with Commercial and Ag lenders to help structure credit facilities, including repayment terms, pricing, collateral, and credit support.
- Become proficient in the use of FINPACK and other credit analysis tools.
Portfolio Management & Risk Monitoring
- Develop, maintain, and analyze portfolio and client trend reports to support risk management and decision-making.
- Monitor credit facilities after booking, including ongoing financial review and covenant compliance.
- Assist in the administration and monitoring of non-performing loans.
- Maintain reporting infrastructure designed to manage credit and portfolio risk within the division.
- Serve as backup support for daily overdraft monitoring and related collection efforts.
Loan Administration & Documentation
- Support the production, processing, and administration of commercial and agricultural loans, deposits, and related lines of business.
- Assist with required due diligence activities prior to loan closing.
- Support loan documentation processes and ensure adherence to Bell Bank lending guidelines.
- Provide loan administration support to designated region(s) and market(s), including frequent travel between markets as needed.
Bell Bank Culture, Policy and Accountability Standards:
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Education, Experience, and Other Expectations
- Bachelor’s degree in accounting, finance, business, or a related field; or equivalent experience.
- 2 – 4 years of experience in credit analysis, lending, commercial banking, or a related financial services role.
- Working knowledge of commercial and/or agricultural loan documentation.
- Experience working within agriculture and/or farming industry is preferred.
- Requires up to 20% travel within an assigned region.
Skills and Knowledge
This position provides loan administration, portfolio management, and credit underwriting support for the regional commercial and agricultural banking teams. The role assists commercial and ag lenders with underwriting, documentation, monitoring, and ongoing administration of a commercial and/or agricultural loan portfolio. The position supports designated markets within a region and requires frequent travel between markets.
Responsibilities.
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What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others. At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states. Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
