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Starion Bank

 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 full-time Universal Banker in Fargo. Must be willing to work at all three Fargo locations.

Responsibilities:

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

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firstwesternbanktrust

Job Title: Consumer Lender       Classification: Exempt     

Department: Lending – Consumer      Status: Full-time

Reports To: VP Senior Consumer Lender            Original: May 4, 2021

Position Overview:

Responsible for soliciting, evaluating, negotiating, underwriting, approving or recommending approval, and coordinating the closing of in-house mortgage loans, construction loans and real estate loans in compliance with the Bank’s lending policies and procedures.

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firstwesternbanktrust

Job Title:           Cash Management Specialist                                  Classification:    Non-Exempt, Non-Officer

Department:      Online Banking                                                           Status:             Full-time

Reports To:       Online Banking Officer                                             Reviewed:         January 29, 2019

Position Overview

Direct and assist customers with online banking products and services in support of First Western Bank & Trust’s sales and service objectives while adhering to the bank’s culture of excellence in customer service to its patrons.     

Essential Job Functions

  • Establish solid customer relationships through identifying needs, providing creative and best solutions for customers, and using cross-sell and referral opportunities
  • Provide support to customers and bank staff regarding electronic products and services
  • Establish online customer accounts including entering data, assigning access permissions and performing account verification
  • Ensure timely response and resolution of customer questions and issues in a timely, professional manner via telephone, email or in-person
  • Perform maintenance to existing online accounts, re-setting passwords and making account changes as requested
  • Meet with business customers to provide information on Cash Management services
  • Add, monitor and support Cash Management and Remote Deposit Capture customers
  • Determine exposure limits and assign risk ratings for Cash Management ACH customers
  • Assist with RSA token activation, lost tokens and customer contact regarding tokens
  • Ensure customer compliance with online policies and procedures
  • Performs daily reviews and monitoring of selected reports, logs and transaction data to verify transactions, track trends and detect/report unusual or suspicious activity
  • Ensure compliance with banking laws, regulations and the Bank’s policies and procedures, including Bank Secrecy Act
  • Maintain continuing education related to regulatory standards

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Starion Bank

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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Starion Bank

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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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

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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Starion Bank

Senior Universal Banker

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

Starion Bank is seeking a Senior Universal Banker in Bismarck.

Responsibilities:

  • Lead a retail team while ensuring quality customer service, encouraging employee growth and development and achieving assigned metrics and goals
  • Manage and direct branch retail operations
  • Develop long-term customer relationships with consumer and business clients while maintaining existing customer relationships
  • Open personal and business deposit accounts
  • Process loan requests
  • Cross-sell bank products and services
  • Process regular teller transactions in an efficient, friendly and accurate manner

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Starion Bank

BUSINESS BANKING REPRESENTATIVE

Are you a disciplined leader driven to serve your customers and peers as a subject matter expert? 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 Business Banking Representative in Fargo

In this role, you will:

  • Provide support including recording and maintaining documents in accordance with established policies and procedures
  • Process loan advances, payments, credit bureau reports
  • Have regular customer contact via in person, phone, email
  • Promote Starion Bank and all products and services

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Horizon Financial Bank logo

COMPLIANCE OFFICER

Horizon Financial Bank is looking for a full time Compliance Officer.  This position is available at our Bismarck, Devils Lake, or Munich location.

Job Summary

The Compliance Officer functions as an independent and objective body and is responsible for developing, implementing, and administering all aspects of the bank’s compliance management program.   The Compliance Officer is responsible for developing and updating the bank’s compliance program to ensure the bank is in compliance with applicable laws and regulations.  The Compliance Officer is also responsible for the duties of the BSA Officer, CRA Officer, and Privacy Officer.

Duties and Responsibilities:

  • Manage and implement the Compliance Management System
  • Administer and monitor a program that ensures the bank’s compliance with laws, regulations, and rules governing banking
  • Acts as compliance resource for the bank
  • Communicate compliance findings and remediations with management
  • Coordinator for external compliance audits and federal/state exams. Responsible for implementing remediation action and compliance responses.
  • Have and maintain a working knowledge of existing and emerging regulations to ensure the bank is and remains compliant with such rules and regulations
  • Coordinate with Operations Manager on compliance education
  • Coordinate and lead the monthly compliance committee meetings
  • Perform an annual risk assessment in order to establish a risk-based review schedule
  • Responsible for ensuring the complaint process is working properly
  • Maintain the bank’s CRA file and performing the annual report
  • Maintain the bank’s BSA program

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Starion Bank

COMMERCIAL LOAN PROCESSOR

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

Starion Bank is seeking a Commercial Loan Processor in Bismarck or Fargo.

In this position, you would be responsible for:

  • Loan support functions for the lending needs of our customers.
  • Keeping up to date with compliance regulations and changes.
  • Bank quality control/risk guidelines, policies and procedures.
  • Processing loan information for closing documentation.
  • Processing and reviewing documents for accuracy.

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Starion Bank

VIRTUAL BANKING REPRESENTATIVE

Starion is seeking a Virtual Banking Representative in Mandan. Hours for this position could vary daily between 7 AM and 6 PM Monday – Friday and will be included in a Saturday rotation. Travel may be required for training and team building.

At Starion Bank, we’re looking for talented people who will put our customers at the center of everything we do. Join our diverse team where you’ll feel valued and inspired to contribute your unique skills and experience.

The Virtual Banking Representative will:

  • Deliver advanced digital and online offerings
  • Work with online deposit accounts and loans
  • Enhance the customer experience while providing solutions to customers
  • Serve consumers through digital (online, mobile and social) and call center (phone, email and chat)
  • Provide customers with convenient ways to manage their accounts and provide solutions that meet their financial needs
  • Serve all Starion Bank locations throughout North Dakota and Wisconsin

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Happy 2021 everyone! I know this is going to be a great year and I hope it’s starting off that way for you and yours. Things in life are often relative and compared to a baseline. If 2020 is our baseline for evaluating 2021, then hallelujah! I like our chances for improvement. Covid cases are down and we’re seeing some light at the end of the tunnel with respect to this dastardly pandemic. I also know that 2021 will have its challenges, I just hope they aren’t the same challenges that we’ve faced the past almost year now.

Having said that, 2020 was a showcase year for the value proposition community banks provide. You all were front and center helping your friends, neighbors and communities deal with uncertainty and fallout from the pandemic. We might have even thought the Paycheck Protection Program (PPP) was behind us. If so, we were wrong because round two is in full swing and I know that you all are stepping up and doing your part. Thank you for that and for letting me be a small part in assisting you. And we may not be done given the high dollar stimulus package being proposed by President Biden.

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Politics, elections and pandemics, oh my! That’s kind of my take on the past several months and a less than articulate comparative reference to Dorothy’s infamous “lions, and tigers, and bears, oh my” quote from the Wizard of Oz. But just as those beasts struck fear in the hearts of Dorothy, the Tin Man, and the Scarecrow as they skipped through the forest in that iconic 1939 film, today’s unknowns of a yet-to-be resolved pandemic, a new administration and an unknown US Senate makeup (the Georgia runoffs are at least one reminder that the election isn’t really over) have left us modern day citizens a bit skittish about what’s ahead of us.

While it might not be a great career move for someone whose job it is to advocate for a tremendous community banking organization, I promised myself I wasn’t going to drone on about politics, the recent election and certainly not the ongoing Covid-19 pandemic in this message. We’ve all had enough. I know I’ve had enough. A wise friend of mine asked me a few days ago if I could recall having recent conversations that didn’t involve politics or the pandemic. I couldn’t except for Stacey telling me that the dogs were tangled around the tree again. But I don’t think those count as “conversations” so I excluded them for the purposes of the exercise at hand.

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As I write this, it occurred to me that today is the first day of fall. Other than the leaves changing color, one might think it’s just another beautiful summer day as the temperature approaches 90 degrees in Bismarck. While 2020 has kind of been the year to forget, our summer weather was really quite delightful for the most part.

While our weather was pleasant, I can’t say it’s been a pleasant summer of clarity and direction for our bank members relative to the Paycheck Protection Program (PPP) forgiveness process. Community banks across the country including North Dakota stepped up to efficiently process PPP loans and distribute those much-needed funds to our business and ag customers. You accomplished what the federal government couldn’t. And now, in my opinion, you’ve sort of been left holding the bag. Even the General Accounting Office (GAO) recognized this in their report issued this week. As they reported, the complexity and lack of guidance surrounding PPP loan forgiveness could limit the effectiveness of future rounds of the program.

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Despite these very weird and unprecedented times, I hope you’ve had some time to safely enjoy some summertime activities. At least the weather has been pleasant! 

By the time you read this we will already be well into August. Normally, your ICBND staff would be in the home stretch of preparation for our annual convention. Sadly however, for the first time in 53 years, the Independent Community Banks of North Dakota will not be holding its annual convention this summer. As you know, your convention committee and board of directors made the difficult decision to cancel the convention in 2020 due to the ongoing pandemic. While the convention is off, we are moving forward to safely host a golf outing and social on Monday, August 17. I hope to see many of you later this month.

Politics, of course, are in the air again as well. Following the general election in November, the 67th Assembly of the North Dakota Legislature will hold its organizational session in early December in preparation for the 2021 legislative session which will be called to order on January 5th.

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Usually I’m not at a loss for words…probably to the chagrin of many of your association’s board members and my coworkers! But I’ve literally stared at my screen for a few minutes wondering how to characterize these times since I last penned a president’s message to you a couple months ago. And yet, I haven’t really come up with anything very prophetic.

Here's what I do know. We live in a very dynamic world. And in that dynamic environment, we’re experiencing a plethora of situations economically, medically, politically, and socially that are affecting our communities, our state, our country and our planet. Some are unprecedented. Others not so much.

I’m not going to espouse an opinion on any of these dynamics. All I know is that these times have really made me think about what matters in this life. Faith, family and relationships rise to the top of the list.

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Who could have possibly guessed three weeks ago that we’d be in the situation we are today relative to the Covid-19 virus and its dramatic effects to the global health of humanity and the economy. To say these are unprecedented times (at least during my lifetime) would be a tremendous understatement.

The last few days have been quite a whirlwind with the rollout of the Small Business Administration’s (SBA) Paycheck Protection Program (PPP) on Friday, April 3rd. Much has been written and discussed about the rollout. And not much of it good. It was an unmitigated disaster. Most of your lenders lived it.

What was good is that I got to witness firsthand the tenacity and perseverance of community bankers as they kept their heads up, battled through the challenges, and didn’t panic - all in the interests of assisting the small businesses in their beloved communities. In some cases, this PPP lifeline is more about saving these businesses – not just assisting.

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