Commercial Credit Trainer

Commercial Credit Trainer

If you like to work with people in a family atmosphere, enjoy great benefits and provide unequaled personal service to every customer, consider a career with Bell Bank.

Company Information:

Bell Bank was founded in 1966 and headquartered in Fargo, North Dakota and has more than $10 billion in assets. Bell is the 6th largest privately owned bank in the nation. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $18 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune.

If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.

Bell’s Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:

Promoting and sustaining our family atmosphere.

Providing unequaled personal service to each and every customer.

“Paying it forward” by giving back to the communities we serve.

Our Bottom Line:

Happy Employees! Happy Customers!

Job Summary:

This position will oversee, with the support of the Commercial Credit Leadership (Credit Leadership): (i) training for all positions within Commercial Credit, (ii) training for credit related processes as needed for other business line positions including commercial and real estate bankers, ag bankers, portfolio managers, personal banking officers and branch managers and (iii) development and maintenance of procedures related to the Commercial Credit functions. This position must possess the technical skills needed to underwrite, document and administer a commercial loan portfolio and the ability to effectively train, communicate and document all processes/procedures for Commercial Credit.

Primary Duties:

This position will work closely with the Credit Underwriting Director, Credit Managers/Team Leads, Commercial Credit underwriting teams, Credit Administration, Commercial Loan Documentation group, Commercial Bankers and other groups that intersect with Commercial Credit.

• Commercial Underwriting Training, Procedures and Processes:

• Coordinate, schedule and conduct training related to all processes, procedures and systems utilized for new hires and current employees in the Commercial Credit teams.
• Assist with credit related training for those positions in departments that intersect with Commercial Credit as appropriate.
• Identify and assess training needs of staff by observation, conferring with Credit Leadership and feedback received from other departments.
• Communicate to Credit Leadership any training needs or issues.
• Facilitate the execution of all training plans developed jointly with Credit Leadership.
• Periodically evaluate training effectiveness.
• Serve as a resource and provide support and expertise related to the processes and/or systems utilized by the Commercial Credit underwriting teams.
• Maintain a high level of confidentiality as it relates to employee performance.

• In collaboration with Credit Leadership and Commercial Underwriting Working Group (CUWG) committee, assist with developing and maintaining commercial underwriting procedures and processes to maximize accuracy, compliance and efficiency with underwriting and commercial lending support.
  • Amend and revise materials as necessary to reflect procedure/policy changes.
  • Organize and develop training procedure manuals, guides and course materials such as handouts and visual materials.
  • Maintain the Commercial Credit Bell Share department page as appropriate.

Be able to perform tasks as outlined in the Bell Bank Credit Officer job description at a proven level that would meet or exceed expectations, including the following in order to stay active and knowledgeable on Bells’ underwriting processes:

• Analyze and spread financial statements to provide preliminary recommendation as to the feasibility of the credit request.
• Assist lenders with the preparation of loan committee presentations, annual credit reviews and problem loan summaries.
• Analyze interim financial statements of existing clients.
• Assist in the administration of the Bank’s loan policy.

• Provide support and assistance, and other related duties as assigned, in support of the underwriting functions for the Commercial and Private Banking lending teams, including active underwriting as time allows but at a minimum providing backup for Credit Officers, as needed.

• Commercial Credit Meetings

• Participate in regular CUWG committee meetings and assist with updating commercial loan underwriting procedures.
• Participate as needed in monthly Commercial Credit meetings with the Credit Managers/Team Leads, Credit Officers and Credit Assistants.
• Participate in regular quarterly Credit Quest status meetings to assist with improving credit processes, review of version upgrades and maintain functional capabilities within the system for all departments utilizing Credit Quest.

• Systems

• In addition to training for all credit related systems including but not limited to Credit Quest applications, assist with testing and implementation of all systems as needed that pertain to the Commercial Credit teams.

• Compliance and Audit

• Participate in internal and external training to maintain knowledge of Bell’s products, credit activities, and regulations, and other appropriate training as required.
• Adhere to all Bell’s standards, policies and procedures as well as banking laws and regulations.

• Customer Service/Communication/Bell Standards

• Provide responsive and outstanding customer service while assisting credit assistants, credit officers, bankers and bank leadership.
• Be an effective communicator and help maintain healthy intersections with the Commercial Credit Department.
• Mentor Bank officers in the credit administration process.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Perform other duties as assigned.

Job Skills Required:

• B.A. in accounting, finance, or related field.
• Minimum of six years of experience in commercial credit underwriting.
• Established knowledge of regulations and policies relating to commercial lending. Strong preference for thorough working knowledge of Bell Bank’s operational function, loan policy and commercial underwriting procedures.
• Working knowledge of commercial loan documentation.
• Proficiency with computer technology including Word, Excel and PowerPoint. Preferred experience with Credit Quest (proficiency with Credit Manager and Financial Analyzer).
• Excellent leadership, analytical, interpersonal, and effective problem resolution skills.
• Superior written and verbal communication skills.
• Proven ability to work productively and efficiently without direct supervision and manage multiple tasks simultaneously with high attention to detail and within time constraints.
• Ability to work well in a collaborative team environment, and thrive in a fast paced, every-changing environment.
• Experience with development of training programs is preferred.
• Effective professional support while ensuring a positive image within the department, between the lending divisions, and throughout the bank.
• This position will require occasional travel to other Bell Bank markets to engage in direct interaction, attend meetings and where needed, provide training.

Location:

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer