Commercial Banker

Merchants Bank is a growing employee-owned company dedicated to a philosophy of community banking and giving excellent customer service. We are searching for a Commercial Banker at our La Crescent MN branch. 5 years of commercial banking experience required. Credit Analyst experience preferred. The Commercial Banker is responsible for the development origination processing and service of all personal professional and commercial customers. Responsibility includes developing and maintaining a profitable loan portfolio at a minimum and prudent risk level in conformance with guidelines set forth in the Banks loan policy guidelines and ensuring customer satisfaction by practicing excellent customer service techniques and standards. The successful candidate will demonstrate strong community Bank offers competitive wages and benefits for our full-time employees including health dental life disability and vision insurance; flexible spending accounts 401(k) and ESOP retirement plans; bonus plan; paid time off; tuition reimbursement; and a variety of voluntary supplemental insurance options. Pleaseclick on Apply Now or apply in personat Merchants Bank La Crescent (316 Main St). Questions can be emailed to Bank is an Equal Opportunity Employer of women minorities protected veterans and individuals with Summary: Develop originate process and service all personal professional agricultural commercial customers of Merchants Bank La Crescent both borrowing and non-borrowing. Primary objectives are to develop and maintain a profitable loan portfolio at minimum and prudent risk level in conformance with guidelines set forth in the Banks loan policy manual. Ensure continuing customer satisfaction by practicing good customer service techniques. This position requires commitment to the community and residency within La Crescent or the greater La Crosse Responsibilities and Duties:Interview loan applicants collect and analyze financial and related data to determine the general credit-worthiness of the prospective loan request. Screen credit applications and make credit decisions. Assist as necessary in the credit approval and negotiate the terms under which credit will be customers where possible on business management and financial solicit through direct calls new business prospects. Also cross sell bank and present material for loan request to the Officer Loan Committee and other credit in community affairs to increase the Banks visibility and to enhance new business directly on existing customers to solidify an on-going with new and existing borrowers to review credit/deposit/investment needs and develop referral preparation of loan underwriting review and loan closing documents. Follow up on loan documentation and overall financial and repayment loan repayment activities and take the necessary action to collect past due staff personnel in preparing loan documents correspondence and customer with other lenders in managing credit lines and assisting in review and approval in achieving Departmental and Bank goals specifically as they relate to credit quality and in Bank staff meetingsOverall and Ongoing Accountabilities:Originate and service commercial loans/deposits to contribute to the development of a sound and profitable commercial loan portfolio. Ensure minimal loss from outstanding commercial loans through effective utilization of the Banks loan policy timely and accurate compilation and preparation of file comments and credit review for use by department head as well as Commercial Loan Committee and Officer Loan in Banks customer calling program to promote and cross-sell Bank services to further develop current and new customer participate in community affairs and civic organizations to promote not only the Bank but the incumbent as Conditions: Work will be performed sitting at a desk very low degree of lifting; when work involves sitting most of the time positions are defined as sedentary. Positions are sedentary if walking and standing are required only occasionally. Lifting will generally not require over 10 pounds in weight or pressure. Will visit businesses with various environments in the course of the Officer Call Program. Overall the working environment is very clean and aesthetically appealing. Mental Demands/Competencies/Education: Position will require above average ability or aptitude in the areas of reasoning intelligence and numerical perception. Position requires individual to be action-oriented an excellent team player ability to manage time and work effectively manage self-development possess oral and written communication skills and leadership skills. Customer confidentiality and confidence are critical to success in position. Must possess strong interpersonal communication skills; ability to help people feel at ease ability to effectively apply opening developing and closing sales techniques to expand customer base. Position requires BS/BA Degree (Business/Accounting preferred) and/or banking experience equivalent to fulfill requirements of the position. Five years of commercial banking experience desired. Credit Analyst experience preferred. Relationships: Reports to the President for fulfillment of duties responsibilities authority and for their proper interpretation. Actively participates in community affairs and civic organizations to promote not only the Bank but the incumbent as well.