Business Banking Representative

Are you looking for a rewarding banking career with an organization that is expanding in the Madison-area? How about working for an organization that prides itself in being:

  • A stable, financially secure banking organization started in 1969, with banking roots that began as far back as 1886!
  • A family-owned, super community bank!
  • A member of the Madison-area business community!
  • Recognized as “Best of the Best” by Independent Banker magazine!
  • Recognized as “50 Best Places to Work” by Prairie Business magazine!

We are seeking a Business Banking Representative in the Madison-area

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 phone, email, and in person
  • Promote Starion Bank and all products and services

You should be:

  • Customer-focused — happy to help others, genuinely curious about an array of industries, and hungry to learn new sales best practices at any stage of your career
  • Detail Oriented — give tasks undivided attention and catch mistakes, errors, or changes
  • In the know — always keeping up with policies, procedures, and regulations
  • Self-aware — including highly intentional about your decision-making processes, and skilled in communicating them to diverse colleagues and customers

You should have:

  • Excellent communication skills, oral and written
  • Organizational and time management skills

Starion Bank offers a competitive salary and a full comprehensive benefit package including health, life, dental, vision, health savings account, 401K, profit sharing, paid vacation and holidays.

Join our team! Apply online at starionbank.com/careers. Call Jeff Cook, market president, with any questions at 608-224-5546.

Starion Bank is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.

/by

Commercial Banking Relationship Manager

Johnson Financial Group Inc. is seeking a commercial banking relationship manager (RM) that develops revenue growth by generating, managing, and growing quality, profitable commercial loans, deposits, and fee-based relationships.

In this role, the individual will take over an existing client base and proactively consult with current and prospective clients to develop quality solutions that meet all their financial service needs.

Responsibilities include:

  • Market JFG as the “First Choice” provider of financial products and services; actively prospect to identify and analyze needs and recommend structured solutions; serve as a cross-sale point of contact for treasury management, wealth management, equipment finance, and insurance products and services.
  • Develop terms and conditions in accordance with JFG loan policy that protects JFG during an economic or industry downturn, management disruption, and/or operating shortfall. Perform timely analysis of client financial statements to determine appropriate credit capacity, leverage, and cash flows sufficient to repay debt obligations.
  • Complete timely credit renewals, annual credit reviews, and collecting/reviewing financial statement requirements.
  • Develop and deliver written loan/credit presentations including detailed financial analysis and recommendations for senior executives.

Experience for this position would prefer a bachelor’s degree in finance or related field. 2+ years commercial banking experience; understanding of basic business financial statements; sales experience preferred; developing effective prospecting skills; skilled at client servicing and follow-through.

Interested in applying? Please contact Nikki Redmond at nredmond@johnsonfinancialgroup.com to learn more.

/by

Credit Analyst

Farmers & Merchants Bank & Trust is seeking a credit analyst to join the team.

Job Summary:

This position is responsible for analyzing credit information pertaining to commercial loans. The credit analyst prepares or assists in the preparation of the Commercial Credit Presentations to the loan committee and/or the Board of Directors and provides assistance to the commercial lenders as requested.

Job Responsibilities:

  • Spread and make interpretive analysis of financial statements using the Bank’s Cas Flow Analysis worksheet. Analyze sources of cash flow used for repayment, and identify and evaluate cash flow and ratio trends; identify business and industry risks, management and collateral support.
  • Prepare credit write-ups for presentation at credit committee meetings, work closely with lending officers to ensure thorough underwriting and evaluation of business credit requests, and ensure compliance with the bank’s loan policy and lending regulations.
  • Prepare annual reviews and risk ratings of credits and track migration of credits among various grade levels.
  • Assist with the Loan Review function to ensure appropriate credit grading, credit analysis, and documentation.
  • Assist in the preparation of monthly and quarterly loan reports for use by management and the Board of Directors.
  • Monitor accounts receivable and inventory loans for adequate collateral coverage; monitor borrower compliance with loan covenants and reporting requirements; track and report results using the bank’s exception tracking worksheet.
  • Assist in the ongoing maintenance of all credit files, including filing of credit information and the purging of outdated information that is not needed in the credit files.

Job Specifications/Competencies

Education: Bachelor’s degree in finance, business administration, accounting, or economics.
Reports to: Senior Vice President/Senior Lending Officer

Farmers & Merchants Bank & Trust is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, national origin, disability status, genetic information, pregnancy, protected veteran status, or any other characteristic protected by law.

/by

Appraisal Specialist

Bank of Wisconsin Dells is looking for self-motivated individual with strong attention to detail who enjoys working with a team to join our growing strong independent community bank. This position reviews commercial and residential appraisals, and prepares property evaluation reports. The appraisal specialist is also responsible for managing the pipeline to ensure deadlines are maintained.

Our preferred competencies and education include:

  • Applicable associates degree (business with courses in accounting) and/or equivalent work experience.
  • Training/certifications acquired through appraisal courses or classes.
  • Excellent communication and interpersonal skills.
  • High level of computer literacy, including high competency in Excel.
  • Must be able to compile, coordinate, and prioritize workflow.
  • Underwriting or Credit Analyst experience preferred.
  • Real estate construction background with an understanding of construction measurement preferred.

Benefits include health and dental insurance, paid time off, and generous 401k match. Starting wage is dependent on experience. Please include expectations with online application.

Bank of Wisconsin Dells is an Equal Opportunity Employer

/by

Deposit Operations Support

Bank of Wisconsin Dells is looking for a friendly, highly detailed individual to join the team as part of our deposit operations department. This position requires the ability to use technology in your daily job, high attention to detail, the capacity to adapt, and problem solve. Candidates must also have exceptional verbal and written communication skills. Previous accounting or bank experience a plus, but not required. Position is responsible for:

  • Processing of account transactions both paper and electronic
  • Posting and verify accounting entries
  • Troubleshooting transaction exceptions
  • Answering customer inquiries regarding accounts, debit cards, and electronic banking products
  • Supports electronic banking products (online and mobile banking, remote deposit capture, debit cards)
  • Processing and verifying account changes

Benefits include health and dental insurance, paid time off, and generous 401k match. Starting wage is dependent on experience.

BWD is an Equal Opportunity Employer

YOU MUST APPLY THROUGH OUR WEBSITE TO BE CONSIDERED.

/by

Chief Financial Officer

Community Bank in southwestern Wisconsin seeking Chief Financial Officer (CFO). Banking experience preferred.

CFO is responsible for bank’s financial management, accounting, and financial reporting functions. Includes asset liability management, financial analysis, regulatory reporting, and investment portfolio. Assists with audit and compliance, deposit operations, and policy reviews. Candidate must be proficient in Excel. Degree in accounting or finance preferred. Requires a high attention to detail and accuracy, extensive knowledge and experience in accounting systems, general ledgers, spreadsheets, and related systems and equipment.

Send resume to Clare Bank, Attn: Deb McWilliams, PO Box 267, Platteville, WI 53818.

/by

Remote Loan Processor

State Bank of Reeseville/Watertown is seeking a REMOTE Loan Processor to join the team as the bank’s primary loan associate.

Responsibilities include:

  • Assisting all loan officers in obtaining and completing information necessary to process loans
  • The procurement and processing of consumer, commercial, agricultural, and real estate loan documents to ensure that compliance regulations are met and maintained so loans conform to established bank policies
  • Establishing files, preparing documentation, accepting and recording payments, calculating interest and rebates
  • Filing of documents and loan files
  • Keeping loan records up-to-date
  • Using tickler system to keep insurance, tax, financial statements, and UCC documents current
  • Sending work/records to accounting or data processing
  • Answering questions for customers

Salaries are dependent on experience, bonus eligible based on performance. Some weekends may be required.

Experience preferred. Advancement Opportunities for the right candidate. Pay: Open

Equal Opportunity Employer

Interested candidates should contact Jayne Adams at jaynea@statebankofreeseville.com.

/by

Residential Mortgage Loan Originator

Bank of Lake Mills is a locally owned community bank seeking to add an experienced Residential Mortgage Loan Originator to the team in Watertown, Wisconsin.

This individual will present information to current and prospective customers as well as to business contacts such as builders and realtors in the Waukesha and Jefferson County areas to meet established goals.

Candidates must possess excellent customer service and sales skills. Strong work ethic, attention to detail, good judgment, and the ability to work independently are also needed. Compensation is base salary plus commission.

Member FDIC. Equal Housing Lender. EOE M/F/Disabled/Vet.

Send resume to Shane Moen at shane@bankoflakemills.com.

/by

Agricultural Loan Officer

This position is responsible for developing and maintaining a portfolio of agricultural loan accounts. Makes loans the individuals, partnerships and corporations engaged in agricultural production. Analyzes loan applications, audits loan files, services existing loans, and counsels customers in an effort to reduce delinquencies and meet departmental goals for increasing loan volume. Aggressively sells and promotes all bank services in such a way as to enhance bank earnings and the bank’s image within the community.

ESSENTIAL DUTIES

  • Ability to read, analyze, and interpret financial reports, professional journals, and governmental regulations.
  • Strong writing skills to compose moderately complex correspondence and reports.
  • Strong verbal skills to effectively present information to customers, employee,s and managers in one-on-one and small group situations.
  • Ability to calculate amounts such as interest, discounts, and percentages and interpret complex financial reports.
  • Comprehend and understand bank operations, policies (manuals), and procedures.
  • Independent judgment to recognize and maintain confidential information.
  • Ability to explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Understand and apply standard agricultural production and marketing concepts and principles.
  • Approve within delegated authority loan structures pricing and conditions on loan transactions.
  • Recognize and resolve a wide variety of practical problems involving common sense judgment, tact, and on-the-spot decision.
  • Problem-solving skills to define problems, collect data, establish facts, and draw valid conclusions.
  • Interpersonal skills to deal effectively with customers, employees, and managers.
  • Organizational skills to prioritize responsibilities and meet deadlines in an orderly, productive manner.
  • Customer service and collection skills to handle situations which require assertiveness and discretion.
  • Computer skills in word processing, spreadsheet, and database software to generate correspondence and reports.

SECONDARY DUTIES

  • Participates in bank-wide committee and branch-level meetings when requested.
  • Assist senior management in development of bank manuals and operational procedures in an effort to accomplish the bank’s strategic directives.
  • Keeps abreast of regulatory compliance and developments for assigned area and informs bank staff of same. Recommends procedural changes as needed to support prescribed requirements.
  • Maintain educational and professional expertise through attendance at job-related seminars, conferences, and workshops.
  • Participates in bank community service and team building events.
  • Perform any and all other additional duties as may be assigned.

MINIMUM REQUIREMENTS

  • A bachelor’s degree with a major in agriculture is required; or an equivalent combination of Ag education/experience/knowledge in lieu of the degree.
  • Experience with FSA Guaranteed Loans.
  • Three or more years working as an Ag Lender.
  • Knowledge and practice of customer service principles including advanced sales skills.
  • Relevant computer skills.
  • Strong reading, writing, numerical ability, communication, and problem solving skills.
  • Customer service oriented.
  • Accurate and attentive to detail.
  • Ability to manage time effectively and efficiently.
  • Must be honest and able to work independently and in a team environment.
  • Ability to multi-task and handle stressful situations.

Interested applicants should contact Jasmine Gross at jgross@csbloyal.com to learn more.

/by

Executive Vice President & Chief Lending Officer

SUMMARY
Management of the loan department including development and communication of policies and procedures, and overall responsibility for the growth and quality of loan portfolio. Also responsible for functions associated with the credit risk management of the bank. This position will be responsible for identifying and understanding developing trends and providing a thorough, independent assessment of a borrower’s capacity to withstand the risks posed by those trends through the preparation of written, in-depth analyses of business, management, and industry factors. A primary component of this role will involve the exercise of independent judgement and discretion on matters pertaining to the identification and management of the credit risk and quality of the bank’s loan portfolio. Member of senior management team tasked with the responsibility of leading the bank in the absence of the CEO.

ESSENTIAL DUTIES

  • Participates, in cooperation with the CEO and Board, in the development and recommendation of loan objectives, policies and
    practices. Is a member and Chair of the bank’s Internal Loan Committee and is an ex-officio member of the Board Loan Committee.
  • Evaluates the loan portfolio, analyzes trends, and provides regular reports to the CEO and Board of Directors on a regular basis. Reviews approved loans and delinquency reports to ensure that policies and practices are being followed. Studies problems and recommends changes in present loan policies and practices. Keeps abreast of all regulatory issues and makes sure the bank is in compliance.
  • Develops and maintains a high-quality loan portfolio of commercial loans.
  • Oversees the development and growth of the bank’s loan portfolio, including commercial, agricultural, residential, consumer and municipal loans in order to meet the bank’s goals and objectives. Oversees the bank’s secondary-market loan sales program.
  • Provides advice, guidance, and loan services to loan officers and other department personnel on matters including credit analysis, evaluation of financial statements and credit information, and collection of overdue loans. Provides advice and guidance to officers engaged in loan activities with the goal of growing and high-quality loan portfolio. Ensures proper training of personnel to maintain adequate records for audits and regulatory reports.
  • Keeps abreast of current and competitive rates and incorporates such into maintaining a reasonable profit. Member of the bank’s Asset-Liability Committee with responsibility to work with
  • Committee and CEO on overall profitability and interest-rate risk of the bank’s loan portfolio.
  • Serves as Executive Vice-President with responsibility to lead all bank activities in the absence of the CEO. Participates with senior management team and Board of Directors with the development and execution of the bank’s Strategic Plan and annual budget.
  • Actively participates in local community events and service/business organizations.

ENVIRONMENT AND PHYSICAL ACTIVITY
The physical and work environment characteristics described in this job description are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions or as otherwise required by law. Employees needing reasonable accommodations should discuss the request with the employee’s supervisor or human resources.

This work requires the occasional exertion of up to 10 pounds of forces; work requires sitting, frequently requires standing. Work has standard vision requirements. Work requires preparing and analyzing written or computer data and observing general surroundings and activities.

MINIMUM REQUIREMENTS

  • A bachelor’s degree with a minimum of ten years in the lending field with emphasis on commercial lending.
  • Advanced degree in business or Graduate School of Banking a plus.
  • Understanding of banking regulations and procedures.
  • Experience with correspondent lending, residential real estate and construction loans.
  • Analytical and problem-solving skills.
  • Advanced management/supervisory/customer service skills.
  • Proficient with oral and written communication skills.

Acknowledgement: This job description is not intended and should not be construed to be an all-inclusive list of responsibilities, skills, efforts or working conditions associated with this position. While this job description is intended to be an accurate reflection of the job requirement, management reserves the right to modify, add or remove duties from particular jobs and to assign other duties as necessary.

Interested applicants should contact Jasmine Gross at jgross@csbloyal.com to learn more.

/by