Commercial Lender

Native American Bank is a one-of-kind institution that is an Agent of Change for Native Communities. Through collaboration, we provide access to financial services for Alaska Native and Native American communities creating economic independence and sustainability. At our core, we are committed to the vision and mission of the Bank. We believe our employees are our greatest asset, and we are at our best through teamwork.

The Commercial Lender is responsible for originating new commercial relationships and cross selling of existing clients throughout the county. This position is responsible for negotiating, analyzing, and coordinating the closing of large, complex loan transactions to individual Native American business owners, tribal enterprises, and tribal governments, in compliance with the Bank’s lending policies and procedures. The Commercial Lender is responsible for proactive client portfolio management, exceptional customer service and selling full commercial banking solutions to clients. Must be familiar with all aspects of the commercial lending process including loan structuring, cash flow analysis, collateral analysis, government regulations and compliance. Experience utilizing federal government agency loan guaranty programs (USDA, SBA, HUD) and working with Native communities is preferred.

Essential Duties/Responsibilities

Participate in the business development activities of the Bank on a continual basis

Identify appropriate prospects, create, and manage an effective prospect list and perform activities to insure growth in loan portfolio.

Continually serve our prospects and customers through a consultative selling, trusted advisor role to assist them in recognizing and tackling business opportunities and risks and helping them accomplish their goals while maximizing our effectiveness.

Participate in the underwriting and documentation of the credit as required.

Attends Directors Loan Credit Committee as required with ability to provide thoughtful feedback to the committee.

Monitor the portfolio for credit quality. Understand, detect, and report the early warning signs of problem credits so as to minimize the risk of credit loss and to maintain appropriate risk ratings on all loans. For most credit, monitoring is conducted on a quarterly basis, though as required in credit specific loan covenants.

Understand what differentiates Native American Bank from other banks and consistently demonstrate our approach to lending to Alaska Native and Native American owned businesses and entities in all aspects of their work with borrowers, colleagues, and partners.

Demonstrate and maintain an in-depth understanding of the unique challenges the communities we serve face in accessing capital for community and economic development.

Identify and maintain relationships with organizations and agencies focused on community and economic development in Native American and Alaska Native communities.

Ability to work with a wide variety of clients, including triable government officials and other decision makers in tribal entities.

Represent the bank at various trade shows, conferences, and summits. Travel to events and in-person client meetings.

Supports the mission of the bank and core values of the organization and follows established company policies and procedures

Demonstrate sensitivity to the financial needs of historically underserved communities and the partners that serve them.

Performs functions in compliance with all company policies, federal and state rules, and regulations as applicable to the position.

Other duties as assigned.

Required Skills/Abilities

Strong mathematical and analytical skills

Ability to effectively manage deadlines in a fast-paced environment

Excellent oral and written communication skills. Strong presentation skills a plus.

Strong attention to detail.

Ability to travel (15% – 20%)

Education and Experience

Bachelor’s degree in finance, accounting, or related field

3-5 years’ experience in a commercial lending environment

Experience working with Native communities preferred.

Knowledge of community and economic development lending and utilization of federal government loan guaranty programs preferred.

Proven ability to drive a business development effort individually and as part of a team.

Experience implementing creative selling and innovative problem-solving techniques.

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