Live Chat Contact
January 4, 2024
Grade 6
Location: Milbank, SD 

Overall Functions

This person underwrites and services ag and commercial loans in a profitable manner while minimizing risk.  Emphasis is placed on credit quality, loan performance, and customer profitability. 


This person should have a bachelor’s degree and two years of related experience or the equivalent.  Good credit judgment and an aptitude toward detail is important, along with strong communication skills.


1. Interview loan applicants, and collect and analyze financial and related data to determine the feasibility of the prospect and the merits of the specific loan request.

2. Establish the terms under which credit will be extended, including the costs, repayment method, schedule, and collateral requirements, ensuring the Loan Policy and Guidelines are adhered to.

3. Service and administer assigned loans in accordance with the Loan Policy and Guidelines.

4. Analyze the level of risk for each loan in the portfolio and assign the corresponding risk rating to each, ensuring the analysis is consistent with the findings of the appropriate regulatory agencies.

5. Ensure loan underwriting is meeting the credit quality standards. Document exceptions and make recommendations on actions necessary to correct any deficiencies.  Perform follow-up action as necessary to make certain the bank’s position meets the Loan Policy and Guidelines.

6. Review and discuss various financial needs with existing customers, and be able to provide information regarding existing bank policies and procedures.

7. In accordance with the legal means outlined in the Loan Policy and Guidelines, utilize reasonable efforts on the collection of loans extended.

8. Counsel with the Department Heads on all matters pertinent to the performance of this position.

9. Attend all loan meetings, as directed, to participate in decisions affecting the operations of the loan function.

10. Keep abreast of activity that may impact the loan portfolio, including legal, regulatory, and economic trends.

11. Act in accordance with FBT policies and procedures as set forth in the employee handbook.

12. Adhere to compliance procedures and participate in required compliance training.

First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email