Business Banking Officer

Business Banking Officer

Bravera is hiring for a Business Banking Officer in Fargo, ND. This position is responsible for developing and maintaining relationships with business-based customers. Will solicit and originate quality loans, deposits, and special products and services with customers. Bravera is an employee and director owned company, committed to providing a competitive and rewarding compensation package.

Measures of success include focused efforts to grow business loan and deposit portfolios, customer satisfaction and retention, community engagement and visibility, and compliance with regulatory standards.

Primary duties and responsibilities include developing and maintaining strong relationships with new and existing business clients, serving as the primary point of contact for financial services and solutions, soliciting, evaluating, and originating business loans in accordance with bank policies and regulatory guidelines, monitoring loan performance and providing ongoing support to clients, analyzing asset and repayment quality on existing loans and loan applications, recommending appropriate banking products and services, keeping abreast of current industry trends, new programs, and regulations, collaborating with internal teams to ensure seamless delivery of services and excellent customer service, and promoting the organization in the community through participation in various civic and community events, activities, committees, and organizations.

Qualifications include a bachelor's degree in accounting, finance, economics, or other business-related field preferred or an equivalent combination of education and a minimum of five years' relevant experience in business lending or banking. Strong interpersonal and communication skills, ability to analyze financial statements and assess creditworthiness, familiarity with business operations, and proficiency in Microsoft Office Suite are also required.

Additional qualifications include a minimum $35MM in loan volume, proven history of developing new customer loan and deposit relationships, solid underwriting skills and credit presentation skills, handling of minimum of 75 customer relationships, historical rolling average of past dues of under 1.25%, historical technical exception level under 25%, and historical charge offs of under $250,000.