Montana Veteran Jobs

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.

This position is located at ourBillings, MT Downtown branch.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve, and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY

Reviews, analyzes and decisions indirect loan requests within a fast-paced environment and within assigned lending authority; refers to appropriate higher level of authority as necessary. Analyzes loan applications, spreads and analyzes financial statements and income tax returns, obtains credit information and generates documentation to support the credit decision. Communicates all authorizations, special conditions or declinations to dealer. Maintains a quality loan portfolio. May cross sell bank products and services, as well as participate in business development activities.

ESSENTIAL DUTIES & RESPONSIBILITIES include the following; other duties may be assigned.

• Efficient, thorough and timely underwriting of indirect loan requests consistent with established guidelines, policies and regulations.
• Obtains credit information necessary to support decision; approve or decline loan requests within scope of authority; recommend appropriate decisions on credit requests in excess of individual lending authority.
• Perform cash flow analysis by spreading and analyzing personal and business income tax returns and financial statements with minimal assistance from a senior loan officer.
• Communicate loan terms and pricing with Dealer.
• Maintain a percentage of credit quality, error, override, delinquency, repossession and loan loss ratios consistent with Bank standards.
• Provide consistent quality service to Dealers to support and enhance indirect banking relationships; may also cross sell bank products and services as appropriate.
• Maintain awareness of current indirect lending trends and developments, and comply with all applicable federal and state regulatory regulations.
• May participate in business development activities to ensure the growth and retention of desired bank products and services.
• Ability to work overtime and flexible hours as needed. This includes evenings and weekends.

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 and/or EXPERIENCE

High School diploma or general education degree (GED) and two years' underwriting experience. Preference given to applicants with indirect lending experience.

OTHER SKILLS & ABILITIES

Interpersonal verbal and written communication skills are essential, as is a strong commitment to quality customer service. Good product knowledge, credit analysis and accounting skills. Knowledge of bank operations, systems, policies and procedures and applicable regulatory requirements.

LANGUAGE SKILLS

Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to effectively communicate with dealers, sales representatives, loan processors, bank personnel and customers.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference with ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to sit; stand; walk; use hands to finger, handle, or feel; and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee may occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to adjust focus.

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.

While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

Our company is an equal opportunity employer. Employment here is based solely upon an individual's merit and qualifications directly related to the position. We do not discriminate on the basis of race, color, religion, national origin, ancestry, pregnancy status, sex, age, marital status, disability, medical condition, or any other characteristics protected by law. We make all reasonable accommodations to meet the obligations set forth under the Americans with Disabilities Act (ADA) and state disability laws.

Montana Jobs