Business Banking Associate III

Location: Bismarck, ND

Status: Full-time

Deadline: 12/07/2022

* The location of this position will be discussed during interviews. Remote work may be allowed for ND residents that live in state.

Summary of Work

This position primarily assists two BND business bankers in streamlining the loan workflow process by coordinating with the Financial Institutions Market Manager, the Loan Administration Manager, other BND business bankers, lead bank loan officers and processors, credit analysts, and BND loan servicing associates. They act as a secondary point of contact for incoming calls and emails from lead banks as it relates to their assigned business banker’s portfolios. This position is responsible for obtaining and organizing credit documentation to prepare files for underwriting, generating correspondence and documentation checklists, coordinating loan funding with lead banks and BND loan servicing associates, and processing ongoing loan documentation. This position works closely with their BND business bankers by researching discrepancies, communicating program eligibility and parameters, and fostering the partnerships with BND participating lenders through positive interactions.

Duties and Tasks

• Process Credit Applications
  • Input applications into pipeline reporting software and review loan documentation received to ensure complete underwriting package prior to submission to credit analysts.
  • Coordinate with BND bankers, participating financial institution bankers, and credit analysts to ensure timely underwriting of credit.
  • Process any loan request withdrawals.
  • Assist in training new staff and provide feedback to senior-level management on process improvement.
• Process Credit Presentation
  • Prepare commitment letters utilizing information from credit presentations and prepare other related documents specific to BND loan programs.
  • Prepare revised commitment letters outlining approved changes.
  • Create documentation checklist based on loan type, collateral, and borrower and guarantor structure on DOSS (pipeline and ongoing documentation tracking software).
  • Ensure all new loans are recorded on appropriate data collection software.
  • Assist in training new staff and provide feedback to senior-level management on process improvement.
• Ongoing Portfolio Management
  • Complete initial loan file review and request any outstanding documentation from lead financial institutions.
  • Track, request, and review technical exceptions. Update DOSS tracking system. File and maintain original and imaged loan documents.
  • Maintain organization in assigned Business Banker’s working files.
  • Assist with research of past-due loan reports; review monthly core system tickler reports; prepare system maintenance for modifications, extensions, and rate discrepancies.
  • Assist in training new staff and provide feedback to senior-level management on process improvement.

Minimum Qualifications

This position requires an associate degree in finance, business, or a closely related field of study and three years of work experience in commercial, agriculture, or real estate loan documentation or lending.  Additional work experience as described may substitute for the education requirement on a year-for-year basis.

Preferred Qualifications

• Knowledge of banking software systems to include documentation preparation systems and documentation imaging software
• Excellent interpersonal and communication skills and demonstrated ability to work in a team environment with diverse colleagues and customers.
• Proven capability to handle multiple high priority tasks
• Previous experience with loan file review

APPLY NOW

In this role, you will be responsible for:

• Support functions for ongoing consumer lending needs including consumer loan documentation and consumer decisioning
• Oversight of the day to day consumer loan operations including processing paids, balancing GL’s, and funding loans to the system
• Work flow within the retail loan operations department
• Training and supervision of new team members
• Keeping up to date with ongoing compliance and regulatory changes
• Bank quality control/risk guidelines
• Keeping policy and procedure(s) updated

You should have:

• Three to five years similar experience and the equivalent of an associate’s degree
• Strong mathematical, problem-solving, multi-tasking and decision-making skills
• Outlook, Word, and Excel experience
• Exceptional customer service skills
• Experience in a supervisor role is preferred
• Experience in banking and loan operations is preferred

Starion Bank offers a competitive salary and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team and work at a bank recognized as “Best of the Best” by Independent Banker magazine, “50 Best Places to Work” by Prairie Business magazine and “Top 10 Workplaces” by Bismarck-Mandan Young Professionals Network! Apply online at www.starionbank.com/careers.

Starion Bank is seeking a Commercial Loan Servicing Supervisor in Bismarck, ND; Fargo, ND; or Madison, WI.

Responsibilities:

• Accountable for the day-to-day supervision of the Commercial Loan Servicing, including maintaining efficient customer service and department workflow
• Responsible for maintaining effective policies, procedures, preparing work schedules, conducting career coaching, training and development
• Responsible for the daily oversight to ensure uninterrupted work flow, evaluating and assisting in the training of staff and maintaining the highest quality control standards

Qualifications:

• Five to eight years of experience in accounting, commercial document processing or loan servicing, or a related field is required
• One to three years of management or supervisory experience preferred
• Prefer a bachelor’s degree in accounting, finance, economics, or a business field
• Strong leadership abilities and self-motivation required

Starion Bank is a growing community bank known for providing local leadership, personalized service and community loyalty. We foster a culture where you can grow both professionally and personally, and we treat employees as our most important organizational asset.

Starion Bank offers a competitive salary and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team and work at a bank recognized as “Best of the Best” by Independent Bankers magazine and “50 Best Places to Work” by Prairie Business magazine! Apply online at www.starionbank.com/careers.

Starion is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

In this role, you will:

Start new banking relationships and grow existing ones through:

1. Proactive sales calls, community engagement, and collaboration with Starion colleagues, and
2. Diligent, data-driven administration of loan portfolios that complies with all bank policies and regulatory standards.

You should be:

In the know—always keeping up with both local business news and philanthropic projects, as well as national economic trends

Analytical–with top-notch financial and credit analysis skills

Self-aware—including highly intentional about your decision-making processes, and skilled in communicating them to diverse colleagues and customers

Customer-focused—happy to help others, genuinely curious about an array of industries, and hungry to learn new sales best practices at any stage of your career

You should have:

• A bachelor’s degree in business, finance, economics or a related field.
• Knowledge of credit, compliance and regulatory standards preferred.
• Proficiency with Microsoft Excel.

Starion Bank is a growing community bank known for providing local leadership, personalized service and community loyalty. We foster a culture where you can grow both professionally and personally, and we treat employees as our most important organizational asset.

We offer a competitive salary and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team and work at a bank recognized as “Best of the Best” by Independent Bankers magazine and “50 Best Places to Work” by Prairie Business magazine! Apply online at www.starionbank.com/careers.

Starion Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

In this role, you will be responsible for providing high quality customer service and actively promoting insurance products. You will also

• Provide excellent customer service in person and over the phone
• Provide support to agent by scheduling appointments, referring prospects, and initiating quotes
• Provide a variety of accounting and administrative functions
• Refer business opportunities to Insurance Agent and the Bank
• Promote insurance products
• Properly document the details of customer and company conversations

You should be:

Customer-focused—happy to help others, genuinely curious about an array of industries, and hungry to learn new sales best practices at any stage of your career

Detail Oriented – give tasks undivided attention and catch mistakes, errors or changes

In the know—always keeping up with policies, procedures and regulations

Self-aware—including highly intentional about your decision-making processes, and skilled in communicating them to diverse colleagues and customers

You should have:

• Excellent customer service skills
• Organizational and Time Management skills
• Proven interpersonal communication skills
• Insurance license in property, casualty, life and health (or willing to obtain them)

Starion Bank is a growing community bank known for providing local leadership, personalized service and community loyalty. We foster a culture where you can grow both professionally and personally, and we treat employees as our most important organizational asset.

We offer a competitive salary with a significant incentive-based element and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team! Apply online at www.starionbank.com/careers.

Starion Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.

 Customer Service Supervisor

At Starion Bank, we’re looking for a talented person to oversee our Virtual Banking Hub. This team member will put our customers at the center of everything we do.  The Virtual Banking Hub handles all incoming calls from customer and non-customers, supports customers with mobile banking, digital wallets, card fraud, processes new online accounts and loan applications along with many other customer support functions. If you have a proven customer service mindset, leadership skills and banking knowledge you may be a great fit for our team. Join the Customer Experience team where you’ll feel valued and inspired to contribute your unique skills and experience.

Located in Mandan, North Dakota the Customer Service Supervisor is responsible for:

• Leading and directing virtual banking daily operations
• Ensuring quality customer service standards are met
• Support Virtual Banker’s growth and development
• Achieving assigned metrics and goals
• Manage team to maximize productivity and efficiency
• Sales and financial direction of virtual banking
• Address and resolving complex customer service issues
• Perform tasks requiring supervisor level approvals
• Recruit, orientate, and train team to deliver Starion service standards

Superior customer service, problem solving and relationship management skills with the ability to convey a positive attitude and remain a high degree of confidentiality, diplomacy, tact and salesmanship is essential to the success of this position.

This position will build new and maintain existing customer relationships, resulting in outcomes that define a great customer experience. As a working manager, the Customer Service Supervisor must know the features and benefits of the bank’s products and services to present them effectively to maintain profitable customer relationships while satisfying and exceeding customer financial needs and expectations. The Customer Service Supervisor will need to know all digital banking solutions, how they benefit customers and the skill to transfer the knowledge to their team members.

At times, this position will be responsible for taking incoming phone calls, process transactions, to maintain the highest level of customer satisfaction.

Qualified candidates will have a bachelor’s degree and have at least five years of similar or related experience. Prefer experience in a call center or customer service focus setting and an understanding of standard bank products and service, including digital banking solutions.

Starion Bank offers a competitive salary and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team and work at a bank recognized as “Best of the Best” by Independent Business magazine and “50 Best Places to Work” by Prairie Business magazine and “Top 10 Workplaces” by Bismarck-Mandan Young Professionals Network! Apply online at www.starionbank.com/careers.

ND independent banks 'doing well' | Prairie Public Broadcasting

Prairie Public Broadcasting | By Dave Thompson

BISMARCK, ND – Stephen L. Stenehjem, Chairman and CEO of First International Bank & Trust (FIBT), is the recipient of the 2022 Distinguished Community Banker Award. The award was presented to him during the 54^th Annual Independent Community Banks of North Dakota (ICBND) Convention & Exposition. The three-day event was held August 8-10, at the Bismarck Hotel and Conference Center, in Bismarck, and was attended by over 200 bank and associate members.

The Distinguished Community Banker Award was created in 1998 by the ICBND Board of Directors to recognize the efforts of its most outstanding members and is the most prestigious award given by ICBND. This award, which need not be given every year, honors an active or former community banker for exemplary and outstanding service to community banking over an extended career. Stephen’s father Leland M. Stenehjem posthumously received the award in 2017, making Stephen the second Stenehjem to be honored with the ICBND Distinguished Community Banker Award.

Stenehjem, who recently celebrated 40 years with First International Bank & Trust, looks back on his achievements with pride. “FIBT is over 100x larger than when I started and that’s a testament to the amazing team we’ve built over the years. From our humble beginnings in Arnegard, ND, we now have 34 locations across four states and can serve more customers than ever before. Thank you to everyone who has been part of FIBT’s success. I am truly humbled and honored to receive this award.”

ICBND hosts 54th Annual Convention in Bismarck | KX NEWS (kxnet.com)

BISMARCK, N.D. — This week is the ICBND 54th Annual Convention. The convention will last Monday through Wednesday.

Jessie Pfaff, who is the vice president for the ICBND says this is a chance for community bankers and associate members vendors across the nation to get together.

“It’s just a time to reconnect with eachother and to celebrate everything they have accomplished last year” “

Pfaff says conventions such as this one is extremely important to have in the state.

“North Dakota in general is a tight knit rural community and community banks across our state are what provide the funding for a lot of main street, and we are excited about bringing them together.”

According to Pfaff, ICBND is the only association in the state of North Dakota that excessively represents Community Banks.
The convention always has a theme and for this years theme it’s the roaring 20’s.

“We figured it’s the 20’s. We are roaring forward and everything that banks have had to overcome with their customers and COVID the last couple of years,” said Pfaff. “They keep charging forward into the future.”

And the big topic on everyone’s mind is inflation.

“It’s front and center. The man on the street and the lady on the street mind’s these days is on how much things are costing,” said Reber. “When they go to the grocery store, when they go buy clothes. When they fill up their gas tank.”

As far as what interest rates could do in the next six months, Jim Reber, President and CEO of ICBA Securities, says it’s impossible to predict.
Despite not being able to predict how long the inflation will last, Reber says community banks are built to benefit from rising rates.

“If this is a long term scenario, where rates are higher than normal, community banks should do just fine.”

They say no matter what the economy looks like… they will continue to reach out and help their neighbors from rural to cities here in North Dakota.

Tioga, ND, August 1, 2022 - The Bank of Tioga has partnered with the Tioga Area Economic Development Corporation to host REV, a small business pitch competition where $15,000 will be distributed to one or more entrepreneurs. Applications are due October 10, 2022.

From the pool of applicants, up to five businesses will be selected to pitch and be judged on all aspects of their business in front of a judges panel on Thursday, November 10, 2022 at the Divide County Courthouse, located at 200 N Main St., Crosby, ND.

"Entrepreneurs and businesses are encouraged to pitch their current or future business concepts for a chance to win money to support their idea. It is our mission to IGNITE PROSPERITY® in all the communities we serve," said President of The Bank of Tioga, Savanna Hendrickson.

The Bank of Tioga hosts REV in an effort to reinvest in local businesses and entrepreneurs. Applicants will be judged on their pitch, marketing, personal investment level and exit strategy.

In 2017, The Bank of Tioga started REV in an effort to spur economic growth and encourage business owners to continue pursuing their dreams. As of today, over $60,000 has been awarded through this program.

Last year’s winners included Blue Raven Trading Company at $7,200, Back Shed Treasures LLC at $4,200, Luxe Beauty Bar LLC at $2,400 and Haugland Enterprises Inc. at $1,200. Judges include Savanna Hendrickson, President of The Bank of Tioga and Wendy Lenzen, Vice President of Business & Consumer Banking with The Bank of Tioga, along with KayCee Lindsey with Divide County Economic Development and Dennis Lindahl with Tioga Economic Development.

To apply, visit https://www.thebankoftioga.com/rev and download the REV application. The application deadline is October 10, 2022. If you have any questions, please reach out to Savanna Hendrickson at The Bank of Tioga at 701-664-3388.

About The Bank of Tioga: At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. The Bank of Tioga was chartered in 1951 and was acquired by TS Contrarian Bancshares Inc., an affiliate of TS Banking Group in 2014. With $350 million in assets, The Bank of Tioga is committed to supporting local organizations and reinvests a portion of its net income back to the community. Branch locations include Tioga and Crosby, North Dakota. For more information visit thebankoftioga.com.

New program will provide an additional line of support for North Dakota’s small businesses

United Bankers’ Bank Announces Strategic Partnership with Blue Team Alpha

MINOT, N.D. – Bravera Bank is proud to announce that United Community Bank (UCB) is going to be merged into Bravera Bank. Pending regulatory approval and other customary conditions, this is expected to officially take effect November 2022. UCB has locations in Minot, Burlington, Drake and Leeds.

Bravera took over ownership of UCB in 2015 while leaving UCB to operate independently. While UCB has been a Bravera company for seven years, taking on the Bravera name and merging into the same systems means a greater depth of services for customers. For example, customers will have the convenience of using services at any of Bravera’s locations throughout North Dakota, Montana and soon Minnesota. In addition, Bravera Wealth is currently located in the same building as UCB in Minot and will remain.

“We’ve worked together for quite a while and are glad to take this next step forward. This collaboration improves the experience of those we serve as well as our employees,” said Greg Vetter, president of client services and interim president/CEO of UCB.

“This is an exciting shift for our customers and our team,” said Kelly Perrin, UCB Minot market president. “We are able to provide additional resources, products and services in banking, wealth and insurance areas as well as give customers access across a greater footprint.”

UCB’s same local, friendly staff is available to assist customers throughout the transition.

To learn more about Bravera, visit bravera.bank. 

  Starion Bank mortgage banker named to three prestigious Top Originator lists

Starion Bank Mortgage Banking Supervisor Kassy Landis has been named to three distinguished lists of America’s top mortgage bankers. The Scotsman Guide named Landis in their Top Originators of 2021 and Top Women Originators of 2021 lists. Mortgage Executive Magazine named Landis as one of the Top 1% of Mortgage Originators of 2021. 

   Picture: Kassy Landis 

Landis, who is based in Bismarck, has been a mortgage banking officer since 2012. She joined Starion in 2006 as a Universal Banker, advanced to Business Banking Representative in 2007, and became a mortgage underwriter in 2008.

Her area of expertise is residential mortgage lending, including conventional loans, NDHFA First Time Home Buyer programs, FHA, VA, Construction, Lot, Bridge, Home Equity and jumbo loans, allowing Landis to help home buyers determine the financing that best fits their needs.  

Landis earned an associate degree from Bismarck State College and a bachelor’s degree from Dickinson State University, both in business administration. She served as a member of 2021-2022 City of Bismarck Special Assessments Task Force volunteer and currently serves as a member of Bismarck-Mandan Professional Women in Building, and as an affiliate member of both the Bismarck-Mandan HBA and Bismarck-Mandan Board of Realtors.

Scotsman Guide previously recognized Landis as one of the Top Women Originators and Top Originators in 2020. She was also recognized by Mortgage Executive Magazine in their Top 1% of Mortgage Originators for 2015, 2016, 2019 and 2020.

The Scotsman Guide is a source of news and research to keep mortgage professionals informed about important trends and topics in the industry. They provide finance tools, industry news, market data and research to help mortgage originators grow their networks.

Mortgage Executive Magazine annually compiles a comprehensive list of the nation’s top one percent of mortgage originators in the United States in order to recognize and celebrate their service, dedication and hard work it takes to serve clients during the home loan process.

About Starion Bank

Starion Bank is a $1.7 billion family-owned community bank and financial services organization. Established in Oakes, N.D., in 1969, Starion has 16 locations in Bismarck-Mandan, Bottineau, Dunseith, Ellendale, Fargo, Oakes and Rolla, N.D.: and Middleton, Monona and Sun Prairie, Wis.

Online

• www.starionbank.com
• www.facebook.com/starionbank

Happy February, community bankers! I hope you are surviving this year’s North Dakota winter. You will see in this edition of our newsletter that ICBND is proudly promoting the launch of Bankers Helping Bankers (BHB), a collaboration with FedFis, a fintech providing data transformation for financial institutions, and the Independent Bankers Association of Texas (IBAT). The new program is supported by community banking associations nationwide. And best of all, it is available free to all ICBND member bankers!

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I hope this message finds you recovering from the Thanksgiving holiday. It’s truly my favorite holiday involving good food, family, friends, and football. My favorite part was spending time with my two grandsons as we enjoyed the mild temperatures and sunshine that still prevail in this early winter.

As I look back on 2021, I’m thankful to have had the opportunity to represent you all and the interests of community banking in North Dakota and nationally. And I’m proud of our accomplishments this past year with the 67^th Assembly of the North Dakota Legislature which convened on January 5 and adjourned on April 29. In addition to the Regular Session, Governor Burgum called a Special Session of the Legislature that was conducted the week of November 8 adjourning on Friday, November 12.

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I hope this message finds you doing well and enjoying our gorgeous fall weather. While the days have been very pleasant, I don’t think any of us would mind some “rain” days. Drought has taken a heavy toll on our ag producers this year, especially our livestock producers who are scrounging hay and feed to get through the winter. I feel for them during this challenging time.

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