Experience Inc. Jobs

**If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal. This position can be located at ourBillings, MT Downtown, Boise, ID W. Overland, Denver, CO Cherry Creek, Des Moines, IA E. Euclid Ave. Omaha, NE 93rd & W. Dodge and Sioux Falls, SD Downtown branch.

What's Important to You We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible. Generous Paid Time Off (PTO) in addition to paid federal holidays. Student debt employer repayment program. 401(k) retirement plan with a 6% match. The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve, and why we want YOU to be a part of it. We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY Accountable for credit risk oversight for one or more regions and/or markets. Evaluates and adjudicates credit requests for existing customers and new prospects, reviews annual analyses, identifies potential and emerging risk (credit, reputational, liquidity, market and operational), and performs proactive portfolio management through ongoing monitoring. Ensures credit evaluations properly assess credit risk, policy exceptions, regulatory compliance and risk rating assignment through effective financial analysis, collaborating with Relationship Managers and Credit Officers, and other due diligence efforts. Manages a team of Credit Risk Officers. Knowledgeable across multiple types of commercial lending including, but not limited to: C&I, Real Estate (including investor (all types) and owner occupied), hotel, agricultural, equipment and aviation. Reports to the Ch

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following; other duties may be assigned. Designates significant credit authority and provides concurrence of credit relationships to the Chief Credit Officer above the designated credit authority across various commercial lending segments. Understands and evaluates market conditions within oversight regions for proactive assessments of credit risk and partnership with the line of business on strategic loan growth. Provides leadership and managerial oversight to a team of Credit Risk Officers. Provides credit coaching, mentoring, and training throughout the lending and adjudication process. Assists the line management in the evaluation of line personnel. Adjudicates, administers, and reviews loans and loan commitments requests to ensure adherence to existing policy guidelines and sound underwriting principles. Administers and reviews existing loans to protect the quality and profitability of the loan portfolio. Presents well-organized, accurate and complete analysis of recommendations for adjudication. Identifies potential problem loans and works with the Special Assets Group and front line to help manage credit risk. Accountable for initial and ongoing loan Risk Rating Accuracy for the portfolio within oversight regions. Demonstrates leadership of a collaborative partnership across all internal stakeholders to advocate appropriate credit risk culture to the field. Participates in internal loan review, audit & regulator examinations. Participates in forecasting of asset quality indicators to senior management. Contributes to the establishment and review of credit policy as appropriate. Works closely with the Chief Credit Officer on other special projects. Willingness to travel within the bank's footprint, or as required based on customer location, as appropriate. Other duties as assigned.

QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed bel w are representative of the knowledge, skill, and/or ability required.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This individual must have a good understanding of the bank's loan policy and Federal Reserve lending regulations.

EDUCATION and/or EXPERIENCE Bachelor's degree (B.A.) or (B.S) from four-year college or university, with minimum of 15 years commercial lending or commercial credit risk experience.

OTHER SKILLS and ABILITIES Must possess common sense and logic/knowledge to be able to formulate and strategize options for any given situations. Must be proficient with MS Word and Excel. Valid Driver's license required.

LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS Ability to calculate figures and perform spreadsheet analysis.

REASONING... For full info follow application link.