Guaranty Bank and Trust Company
  • Loveland, CO, USA
  • $54,325-$81,488
  • Salary
  • Full Time

Eligible for our Full Benefits Package including Medical, Dental, Vision, 401k and Paid Time Off!


Summary of Job Responsibilities:

Maintains awareness, understanding and compliance with Guaranty Bank and Trust's "Code of Ethics", internal policies and procedures, laws and regulations that are appropriate for his/her position.

Provides overall credit underwriting, loan documentation and routine monitoring support related to borrowing relationships. Engaged in developing new and managing existing borrowing relationships within appropriate guidance, policy and risk parameters. From time-to-time, may engage in servicing deposit accounts/fee-based product needs related to borrowing relationships.

Required Qualifications [Knowledge (Education), Skills and Abilities (KSAs)]:

  • Four year college degree or equivalent
  • 3-10+ years commercial bank credit underwriting/portfolio management experience
  • Ability to build personal credibility with credit approval authorities
  • Possess significant accounting and finance knowledge
  • Excellent analytical and problem solving skills
  • Demonstrated ability to critically think, formulate and support credit decisions, and logically defend positions
  • Demonstrated ability to negotiate on behalf of the Bank and the borrower while appropriately balancing risk and shareholder value
  • Ability to work and lead in a team environment and demonstrate flexibility as business dictates
  • Proven ability to communicate verbally and in-writing with internal/external constituents
  • Ability and willingness to investigate, resolve and recommend process improvement opportunities
  • Knowledge and understanding of bank rules and regulations, BSA, KYC, CRA, compliance
  • Knowledge of overall bank products and services

Essential Duties:

Employees are held accountable for all duties of the job. Individuals must be able to perform these duties with or without reasonable accommodations.

Based on the level of the role (see leveling Guide), performs the duties below with varying levels of supervision and at varying levels of complexity.

    • Demonstrates core values and guiding principles as outlined in the Bank's identity statement.
    • Ensures that all activities and work functions comply with compliance requirements as defined in company policies and procedures and state/federal laws and regulations.
    • Collaborates with relationship manager on appropriate structuring of credit.
    • Provides credit analysis including but not limited to the following: borrowing purpose; borrowing structure; management ability; economic/market conditions; industry analysis/trends; financial condition; management projections; cash flow (management, base case and downside scenarios); collateral; guarantor/recourse; strengths and weaknesses/mitigants; and risk rating rationale.
    • Prepares pre-flight memorandums, credit presentations, problem loan plan of action reports, and other reporting as directed.
    • Monitors, prepares, and completes credit renewals and annual reviews for line of business where resides.
    • Interacts with relationship managers, branch/market/regional presidents and credit approval authorities.
    • In conjunction with Relationship Assistant, addresses and clears loan related exceptions as appropriate.
  • Provides routine and on-going monitoring support related to borrowing relationships, including but not limited to timely receipt of required financing reporting from borrowers, compliance with required financial covenants, borrowing base monitoring, early risk identification, and resolution of past due/matured loans, while maintaining strong internal/external communication.

 

    • Ensures bank's credit risk is routinely and proactively managed.
  • May authorize transfers, payments, advances, ACH originations, and wire transactions.
  • Performs account/loan maintenance as required.

 

    • Coordinates and/or participates in prospect and/or client relationship meetings, as needed.
    • Routinely attends all-banker meetings and fully engages in on-going credit training.
  • May back up banking assistant in various credit-related and/or customer service capacities.
  • May open/close bank branch as assigned.

 

  • Is actively involved in the community.
  • Performs other duties as assigned.

Types of Decisions:   This individual will have the ability to make recommendation regarding entering into business relationships with new and existing customers.

Consequences of Errors: Errors may have a significant adverse effect on relationships with customers and the Bank's asset quality.

Contact with Others: Unlimited contact with customers and employees both in person and on the telephone. Must display quality of service showing courtesy, tact, and discretion at all times. Maintains a positive demeanor and displays excellence in service, keeping the banks image in mind at all times.

Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Ability to sit for 5-6 hours working on computer.

The above statements are intended to describe the general nature and level of work being performed. This job description should not be construed to imply that these requirements (job responsibilities and KSAs) are the exclusive standards of the position. Incumbents may be required to follow other instructions, and to perform other duties, and obtain other KSAs that may be required of the position.

Guaranty Bank and Trust Company
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