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First Western Bank & Trust
Sioux Falls, SD
  • Posted: over a month ago
  • Full-Time
Job Description

Our team offers great benefits including: paid vacation, holidays and sick leave; health and dental insurance; 401k with matching contributions; volunteer paid time off; banking benefits; and more! This is a great opportunity for the right candidate.

Position Overview

Develop new commercial loan business for First Western Bank & Trust through securing, structuring, and closing loans. Maintain and service existing commercial lending portfolio.

Essential Job Functions

  • Conduct sales calls and meet with prospective and existing customers to establish new loan business
  • Represent the bank in local community at meetings and events to market the bank’s products and services
  • Administer individual loan portfolio including commercial and other assigned loans
  • Interview loan customers to determine lending needs
  • Work with the Small Business Administration and Bank of North Dakota to qualify customers for participation lending programs
  • Negotiate direct lending terms as well as collateral and payment structures
  • Maintain customer relationships through regular communication and follow up contact
  • Meet with customers to request information for loan applications, including appraisals, credit reports, background checks and other information needed for loan evaluation
  • Compile financial information including income tax records, balance sheets and other data to create loan spreads
  • Analyze applicant financial status and conduct collateral evaluations to make lending decisions
  • Approve credits up to lending authority and prepare those credit requests that exceed lending authority for Board approval
  • Assemble and maintain complete loan files
  • Conduct loan reviews on existing customers annually
  • Collaborate with management on loan policies and procedures and make recommendations for improvement
  • Participate in the bank’s loan committee
  • Review loan reports to determine the status of payment and work with customers to collect outstanding balances
  • Ensure documentation complies with bank policy as well as State and Federal Regulations
  • Maintain continuing education related to lending certification and compliance standards
  • Remain up-to-date with banking laws, regulations and the Bank’s policies and procedures, including Bank Secrecy Act compliance

Other Duties

  • Conduct site visits and collateral inspections as necessary
  • Other duties, responsibilities and activities may be assigned with or without notice


  • Bachelor’s degree in business or finance related field
  • 5 years’ experience in bank lending, loan review, compliance or finance
  • Strong understanding of financial statements and credit standards
  • Knowledge of business management principles preferred


  • Excellent oral and written communications skills
  • Demonstrate professionalism in working with the public and all levels of management
  • Ability to define problems, facts and draw valid conclusions
  • Strong analytical, problem solving and decision-making skills
  • Computer proficiency, especially in Microsoft Excel

First Western Bank & Trust is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.

First Western Bank & Trust


Sioux Falls, SD
57104 USA


Finance and Insurance

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