Commercial Banker

First Western Bank is currently looking for a full-time Commercial Banker at our new Harrisburg, SD location.

At First Western Bank, we're more than a bank. We're a family-owned organization with a proud history of helping customers, businesses, and communities thrive. As we expand into Harrisburg, South Dakota, we're looking for talented individuals who are passionate about building relationships, delivering exceptional customer service, and making a difference in their community.

Founded in 1964, First Western Bank has built its reputation on community stewardship, respect, excellence, dedication to customers, integrity, and trust. Team members who join our new Harrisburg location will have a unique opportunity to help establish our presence, build lasting customer relationships, and shape our reputation in one of South Dakota's fastest-growing communities.

If you're looking for a career where you can make an impact, grow professionally, and help build First Western Bank's future in Harrisburg, we'd love to have you apply!

Commercial Banker Overview

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

• 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 loan committee and/or Board approval

Commercial Banker Qualifications

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

Commercial Banker Competencies

• Building Relationships – able to grow and maintain strong long-term customer relationships
• Business Judgment – able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank
• Communication – excellent written and verbal communication skills to clearly convey information to diverse audiences
• Customer Focus – able to understand customer needs and promote the value of the bank’s products and services
• Emotional Intelligence – can navigate difficult situations with empathy and understanding, fostering positive relationships
• Interpersonal Skills – can communicate and interact with others in a way that promotes mutual respect and trust
• Negotiation – able to lead negotiations and convert them to mutually beneficial agreements or solutions
• Persuasiveness – ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus
• Problem-Solving – skilled in identifying and resolving complex problems using analytical and critical thinking skills
• Resilience – able to bounce back from difficult situations and maintain a positive attitude and performance
• Teamwork – proven ability to work collaboratively in a team environment to achieve common goals
• Time Management – highly organized and efficient, with a proven ability to manage multiple projects and meet deadlines
• Willingness to Learn – open to new ideas, seeks opportunities to expand knowledge and skills, actively participates in training programs, and seeks feedback to enhance performance
• Technology - skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook), and social media platforms

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