CASH MANAGEMENT OFFICER

Are you a disciplined leader driven to know your customers and meet their needs? Do your get-‘er-done attitude, high ethical standards, and community involvement inspire others? If so, you may be an excellent fit at Starion Bank!

We are seeking a Cash Management Officer in Bismarck.

In this role, you will:

Identify, develop and manage deposit and cash management business relationships through:

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

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Universal Banker

Are you customer focused, disciplined, ethical, and action oriented? Do you encourage and inspire others to do their best? If so, you would be an excellent fit at Starion Bank!

Starion Bank is seeking a part-time Universal Banker in Fargo working 20 hours each week. Must be willing to work at all three Fargo locations.

Responsibilities:

• Process regular teller transactions in an efficient, friendly and accurate manner
• Open personal and business deposit accounts
• Cross-sell bank products and services
• Develop long-term relationships with consumer and business customers as well as maintain existing customer relationships

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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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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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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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