Career Opportunities

Dacotah Banks, Inc. is an equal opportunity employer.


Job Title: Business Banker
Location: Dickinson
Department: Lending
FLSA Status: Exempt
Job Grade: Level 1 (10,11,12); Level 2 (13, 14, 15)
Report to: Market President

Job Summary
Makes and services a wide variety of business and individual loans, both secured and unsecured. Attends to the needs of customers seeking loans on terms that may involve unsecured funds and/or credit secured by mortgages or other collateral. Interviews applicants to develop information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. Makes decisions on loans and terms within established lending limits, or makes recommendations to a supervisor. Participates with management on larger loans. Keeps informed as to the status of loans in the department. Follows current loans to ensure complete compliance with terms. Gives financial advice and counsel to customers and prospective customers. Studies industrial, commercial, and financial situations relating to new or existing businesses as requested. Makes recommendations on financial and organization structure, locations, and other matters on which the company may have information. Calls on potential or existing customers to develop new business and increase or retain existing business.

Primary Accountabilities

Perform full range of commercial lending duties of lending as described in the job summary including complete adherence to all policies and practices of the Bank and its applicable regulatory and governmental agencies.

 

Direct and participate in the establishment of lending (and leasing) goals in compliance with overall Bank growth and profitability objectives; develop and, upon approval, implement lending/leasing policies, programs, and operating plans to assure the achievement of established Bank goals and objectives;

 

Participates in the development of Bank goals;  As requested, provide input, where appropriate, in the formulation of goals, policies and programs.

 

Continuously monitor and evaluate the overall effectiveness of the lending and leasing functions against established performance standards; identify specific problems and trends and other occurrences which require clarification or correction and develop and apply appropriate corrective strategies.

 

Continuously analyze and evaluate portfolio performance and appraise commercial lending policies and practices in light of established return on investment (ROI) and customer service goals, and changing economic conditions.

 

Keep abreast of pertinent market and regulatory developments and identify current and potential lending markets; develop and implement plans and programs to respond to those developments and target desired loan markets.

 

Monitor and participate in the collection efforts to assure the timely collection of all delinquent accounts as needed,  and in collecting seriously delinquent loans or in developing revised loan repayment terms or schedules.

 

Establish and maintain positive working relationships with local businesses and other organizations to provide information regarding the Bank's programs and policies, work at developing marketing plans and programs to increase the business community's awareness of the Bank's lending services and attract new loan customers, participate in the Bank's Calling Program to achieve the Loan Department's marketing objectives.

 

Participate in the Bank's business development activities; represent the Bank in industry and professional associations, community organizations, local business groups, etc., and promote the Bank's favorable image.

 

 

Secondary Accountabilities

 

Provide assistance to co-workers with customer inquiries or problems.  Ensure prompt and courteous response.

 

Assist in establishing goals for their areas and implementation of same as necessary.

 

Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.

 

Maintain education and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional civic and community groups in leadership positions.

 

Keep abreast of new developments and trends in the commercial loan market; identify potential lending opportunities and participate in the development and implementation of plans and programs to respond to these opportunities.

 

Participate in the establishment of commercial lending goals and profitability objectives and in the development and implementation of policies and procedures to assure the achievement of those goals; recommend new policies or policy revisions as necessary to improve efficiency and control.

 

Provide assistance to co-workers with difficult internal problems or customer inquiries or problems. Ensure prompt and courteous response to customer inquiries.

 

Assist in the development of manuals and supporting documentation to accomplish tasks/duties inherent in this position.

 

Maintain education and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional civic and community groups in leadership positions.

 

Perform other duties as assigned.  Utilizes government programs when deemed necessary to meet customers credit needs.

                                   

 

Qualifications

Level 2 - 5-6 years' bank commercial lending experience or equivalent education in bank lending procedures and policies.

 

Level 1 – Attainment of this position is contingent upon successful mastery of the skills and responsibilities inherent in 2-3 years' bank lending experience or equivalent education in commercial loan transactions, procedures and policies.

 

 

Knowledge, skill and mental development equivalent to the completion of a college education (in the field of finance), which includes specific courses in commercial lending, business administration, and communications.

 

Good verbal communication skills as evidenced by the ability to interact both face-to-face and over the telephone with customers and co-workers.  Demonstrated ability to use tact, diplomacy, and a "professional" personal appearance, when dealing with customers and co-workers.

 

Analytical (statistical), organizational, time management, and problem-solving ability.

 

Good written communication skills.  Good proof reading and editing skills.

 

The hardware and software required to do this job are as follows:

  1. Hardware:
    1. Telephone;
    2. Personal Computer; and
    3. Copy Machine, Facsimile Machine, Printer and other basic office equipment; and

 

  1. Software:
    1. Microsoft Office Products (including Word, Excel, Visio and PowerPoint)
    2. Core Banking System; and
    3. Sharepoint

 

Exertion/Physical Requirements

The exertion and physical requirements of this job are as follows:

 

  1. Moving objects weighing up to 25 pounds;
  2. Sitting 80 percent of the work day;
  3. Standing as much as 10 percent of the work day;
  4. Walking approximately 10 percent of the work day;
  5. Placing objects on and removing objects from shelves;
  6. Dexterity and Coordination;
  7. Reading;
  8. Oral and Written (including Typing) Communication; and
  9. Listening and Hearing.
Employment Application Instructions

Please indicate the position you are applying for on all correspondence.

All applicants must complete these 2 printable forms and mail them to us at the below address:
Dacotah Bank Employment Application
Dacotah Bank Affirmative Action

Mail completed forms to: Human Resources, Dacotah Banks, Inc., PO Box 1496, Aberdeen, SD 57402 Or email completed forms to careers@dacotahbank.com.

Please enclose your resume when submitting the above forms.

Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.


Member FDIC, Equal Housing Lender. Insurance and Trust not FDIC Insured.

©2013 Dacotah Banks, Inc. Dacotah Banks, Inc. Member FDIC Equal Housing Lender Insurance and Trust
not FDIC Insured.