Commercial Lending Assistant

Job Title: Commercial Lending Analyst

Department: Commercial Lending

Reports To: Branch President

Status: Non-Exempt

Salary: $41,600 - $60,000

Who We Are

At Timberline Bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "Better, Faster, Easier. -Always." experience is the Timberline Team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes Timberline Bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the Timberline personal touch, the level of customer support is unparalleled. We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. TO US, IT IS PERSONAL.

What We Value

At Timberline Bank, the core of our culture is in the following values. We believe heavily in fulfilling each one of these to the highest degree. Our culture is the foundation of who we are as a team, and as a business.

1. Exceeding Customers’ High Expectations
2. Empowering a Dedicated Team
3. Having Fun While Winning
4. Passionate About our Communities
5. Value Added Resource for our Customers (Trusted Advisor)

Position Summary

The Business Banking Loan Relationship Manager is responsible for providing leadership and guidance to the Business Banking Loan Relationship Specialist, as well as providing general support for the Business Bankers and the loan and deposit customers they serve, and for building strong rapport and relationships with these clients. This person is responsible for providing superior internal and external customer service. Must demonstrate self-governance, courtesy, and respect toward external customers as well as internal coworkers. Superior customer service includes highly accurate, efficient, courteous, and friendly interaction and transaction processing. Adequate commercial loan product knowledge and ability to problem solve on an ongoing basis is required.

Essential Duties and Responsibilities

• Cater to unique, very specific needs of Grand Junction's customers, going above and beyond to provide them with exceptional customer service at all times and exceed our customers’ high expectations.
• Efficiently process customers’ requests in a timely and accurate manner with a high level of professionalism.
• Work under the direction of the Grand Junction Business Bankers to complete a variety of tasks as assigned including:
  • Review business organizational and financial documents such as trust agreements and/or complex loan documents.
  • Work cooperatively with the TWAY Team to ensure effectiveness and efficiency throughout the loan process.
  • Review loan documentation for accuracy and manage technical exceptions.
  • Understand and anticipate the needs of Grand Junction customers to offer solutions and develop relationships.
  • Determining the workflow, move loans through the pipeline, sometimes with limited supervision depending upon the loan type. Assist with maintaining/managing loan pipeline.
  • Provide support for interactions between Grand Junction customers, the Business Bankers, and TWAY Team to build relationships.
  • Follow up with Grand Junction loan customers to obtain insurance and other documentation and ensure all documentation is up to date. 
  • Gather appropriate documentation and prepare and/or assist with loan approval presentations.
• Follow established audit, security, and compliance guidelines.
• Attends and participates in meetings and trainings as required. 
• Represents Timberline Bank in a professional manner which includes a professional image, confidentiality, a positive “can-do” attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs. 
• Work independently and in a team environment to maximize productivity in a most efficient manner.
• Engage professionally in person, via email, and on the phone to assist with customer needs or issues.
• Adhere to Timberline Bank’s Core Values.
• Ability to meet goals for rocks.
• Duties to be expanded on as experience and professional goals are achieved

Required Knowledge and Expertise

• High School Diploma or higher.
• 5+ years of banking experience preferred, especially in regard to commercial loans.
• Proven conflict resolution skills.
• Superior, above and beyond customer service skills.
• Superior people, communication, prioritization, and organizational skills.
• Customer-oriented with excellent verbal and written communication skills.
• Strict adherence to confidentiality requirements.
• General working knowledge of compliance laws/regulations regarding loan and/or deposit products.
• Understanding of loan terms and file workflow.
• Experience with Abrigo preferred.
• 1-2 years of lending experience preferred.

Key Competencies/Skills

• Be Thorough: Ensure that work is completed thoroughly and correctly; prepare carefully for meetings and presentations.
• Achieve Results: Complete tasks on a timely basis and based on an understanding of the priorities.
• Establish and Maintain Personal Credibility: Consistently model behavior that is perceived as responsible, reliable, and ethical.
• Communicate Effectively: Express oneself clearly in interactions with others, both verbally and in writing. Notice, interpret, and anticipate needs and concerns. Ensure that critical information is shared with those who should be kept informed.
• Critical Thinking: Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Relationship Building: Ability to effectively build relationships with vendors, management, and staff.
• Time Management: Ability to effectively utilize available time for the completion of necessary job tasks.
• Ability to work independently AND in a fast-paced team environment.
• Possess strong organizational skills with the ability to multi-task and prioritize work.

**Pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules, the salary range above represents the low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. The range listed is just one component of the total compensation package for employees. Incentives based on Timberline Team goals may also be offered. In addition, Timberline Bank provides a variety of benefits to full time employees, including health insurance coverage, vision insurance, dental insurance, life and disability coverage, 401K plan, paid holidays and paid time off.

Equal Employer Opportunity Statement

Timberline Bank prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

All job requirements in the job description provided indicate the minimum level of knowledge, skills, and/or abilities deemed necessary to perform the job competently. Job descriptions are an overview of the duties, responsibilities, and requirements of the position. Employees may be required to perform other job-related assignments as requested. OUR COMPANY ADHERES TO A POLICY OF EMPLOYMENT-AT-WILL, WHICH ALLOWS EITHER PARTY TO TERMINATE THE EMPLOYMENT RELATIONSHIP AT ANY TIME, FOR ANY REASON, WITH OR WITHOUT CAUSE OR NOTICE.