firstwesternbanktrust

Job Title:           Assistant Chief Credit Officer                          Classification:    Exempt, Officer

Department:      Credit                                                               Status:              Full-time

Position Overview

Work to ensure safety and soundness of First Western Bank & Trust’s lending activities; responsible for identifying and understanding developing trends and analyzing performance in order to develop an assessment of credit risks.  

Essential Job Functions

  • Assist in ensuring safe and sound lending practices through ongoing monitoring of the loan portfolio and observance of financial industry, economy, market conditions, rates, vendors and competition that may impact credit quality
  • Work closely with senior management and lenders to identify and mitigate risks in loan portfolios
  • Assist in structuring commercial and consumer loan transactions
  • Review and analyze large and complex credits as required in the Bank’s loan policy
  • Assist in evaluating and then approving or declining policy exceptions and modifications to existing loans
  • Participate as a member of various credit risk oversight committees of the Bank
  • Assist with updating credit policies and procedures
  • Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance
  • Assist in monitoring portfolio reports to ensure the correction of credit documentation deficiencies and adherence to sound documentation procedures, prompt identification and workout of problem loans, and the execution of corrective action to eliminate examination criticisms
  • Assist in providing oversight of the Bank’s OREO properties
  • Assign appropriate risk ratings, as needed, in conjunction with loan loss reserve analysis 
  • Assist in determining the adequacy of the allowance for loan and lease losses (ALLL)
  • Supervise the Credit Analysts to include performance reviews and career coaching
  • Provide guidance and management of credit training needs for the Bank
  • Exercise discretion and maintain confidentiality in carrying out responsibilities
  • Ensure compliance with banking and insurance laws, regulations and the Bank’s policies and procedures, including the Bank Secrecy Act
  • Maintain continuing education related to regulatory standards

Other Duties

  • Other duties, responsibilities and activities may be assigned with or without notice

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firstwesternbankandtrust

MORTGAGE LOAN ORIGINATOR

Position Overview  

Develop new mortgage loan business for First Western Bank & Trust by developing a community network, soliciting business, responding to customer inquiries, and contacting mortgage referrals; oversee the mortgage loan process from application to closing; and provide ongoing customer support with mortgage customers. 

Essential Job Functions 

  • Oversee the mortgage loan process from application to closing
  • Promptly respond to all inquiries and online applications
  • Interview prospective borrower in order to analyze financial and credit data
  • Determine customer’s financing objectives and advise customer of product/pricing and guidelines
  • Take detailed loan applications, turn completed files to processing team and help resolve any problems
  • Ensure all loans are in compliance with regulatory, legal and bank requirements; including timely and accurate delivery of required disclosures 

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firstwesternbanktrust

CREDIT ANALYST

Position Overview  

Analyze financial statements and credit data to determine First Western Bank & Trust’s risk in extending credit or lending money; and prepare reports with credit information for use in decision making. 

Essential Job Functions 

  • Analyze financial statements and credit data to determine the risk involved in extending credit
  • Verify and input financial data within appropriate banking software 
  • Prepare financial spreads utilized in credit presentation
  • Evaluate customer earnings, savings data, payment history, and purchase activity
  • Generate debt to income ratios to assess customers' financial status 

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firstwesternbanktrust

INVESTMENT OFFICER

Position Overview 

Manage First Western Bank & Trust’s bank investment portfolio and coordinate the purchase of securities to meet the business needs of the bank; direct interest rate risk and fund management functions.

Essential Job Functions

  • Oversee the bank’s investment portfolio to maximize return and profitability of assets in order to ensure adequate liquidity is available to meet withdrawal demands and the growth of loans and investments
  • Perform analysis of risk management by accurately modeling assets and liabilities
  • Monitor funds in excess of liquidity and reserve requirements
  • Research investment opportunities and compile trend data regarding risks, yield and stability to provide valuation information for decision making 
  • Analyze new purchases to ensure they meet investment goals and regulatory requirements 

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firstwesternbanktrust

INSURANCE AGENT - PERSONAL LINES

Position Overview 

Responsible for sales and retention of profitable personal lines of insurance business for the agency.

Essential Job Functions

  • Prospect for sales leads
  • Obtain all information needed for rating and issuance of proposals
  • Complete insurance applications utilizing the agency management system
  • Provide risk management advice to clients
  • Collect premiums

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