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First Bank & Trust job openings

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OVERALL FUNCTIONS: This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.

QUALIFICATIONS: This person should have an associate’s degree and a minimum of 3 years of related experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer. Ability to speak Spanish is preferred.

PRINCIPAL RESPONSIBILITIES ARE TO:
1. Perform general teller functions which may include but are not limited to:
 Processing customer deposits and withdrawals
 Accepting loan payments
 Processing credit card cash advances
 Selling negotiable instruments such as cashier’s checks and money orders

2. Duties may include (Depending on location):
 Act as Vault Teller in accordance with established procedures
 Research teller offages and report findings to accounting
 Balance and service ATM
 Maintain adequate branch supplies
 Assist in coordinating marketing of in-store promotional activities and programs
 Complete location month end reports

3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank.

4. Balance teller drawer and daily transactions according to established procedures.

5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.
6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.

7. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.

8. Sell and cross-sell products and services, open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures.

9. Complete verifications of deposit (depending on location).

10. Act as a backup for other departments as assigned by supervisor (depending on location).

11. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor.

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

13. Adhere to compliance procedures and participate in required compliance training.
 
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
September 16, 2020
Grade 5
Full-Time
Location: Sioux Falls, SD
 
Overall Functions
Manage technology and corporate operations-related projects to ensure successful design, implementation, and operation. Work with internal and external customers to design, integrate, and maintain systems supporting business initiatives while achieving operating efficiency, information integrity, and availability. Ensure systems are maintained securely following industry best practices.
Qualifications
This person should have a four-year degree, preferably in the technology field, or the equivalent. This person must have a minimum of two years of demonstrated systems management including systems software and hardware operations experience. This person must possess analytical, technical, writing, and organizational skills, with the ability to exercise confidentiality and discretionary judgment. This position requires infrequently lifting up to 75 pounds, occasionally lifting up to 50 pounds, and frequently lifting up to 25 pounds. This person may occasionally work in environments that may be louder than a normal office environment, requiring the use of hearing protection and protective clothing. This person will occasionally use ladders, power equipment, and hand tools in completing job responsibilities.
 
Responsibilities
  1. Perform system administration duties for financial-related applications, end-user computing (EUC) environment, and multiple other applications including user management, upgrades, new implementations, and support and training of end-user systems.
  2. Receive customer inquiries via multiple channels and assess, prioritize, document, and provide first response back to the customer. Ensure each customer has a positive service experience on the first communication.
  3. Manage client program implementation through planning tasks, controlling resources, and monitoring progress in order to support the implementation of technology solutions to business initiatives. Ensure technology implementation is consistent with business and technology management expectations.
  4. Facilitate servicing of PC- and network-related problems and questions from internal users.
    This includes hardware, software, and application support. Ensure resolution of problems
    and inquiries, complete appropriate documentation, communicate effectively, and follow up
    within established service level agreements (SLAs).
  5. Perform work by determining priorities, analyzing alternatives, and scheduling applicable
    methods and procedures for completion. Develop planning and implementation of
    methodologies working with project teams, stakeholders, and vendors with minimal
    supervision. Collaborate with ITS staff and internal users to complete assigned projects and
    research.
  6. Implement and maintain systems in accordance with FFC security policies, best practices,
    and vendor hardening guides. Create and maintain system documentation. Review and
    update FFC ITS policies and procedures, ITS logs, technical training materials, inventories,
    and documentation.
  7. Participate in required helpdesk after-hours on-call rotation.
  8. Maintain up-to-date knowledge of the technology supported by attending industry seminars
    and training sessions.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
September 16, 2020
Grade 3
Full-Time
Location: Sioux Falls, SD
 
Overall Functions
This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.
 
Qualifications
This person should have a high school diploma plus two years of prior experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer.
 
Responsibilities
  1. Perform general teller functions which may include but are not limited to:
     Processing customer deposits and withdrawals
     Accepting loan payments
     Processing credit card cash advances
     Selling negotiable instruments such as cashier’s checks and money orders
  2. Duties may include (Depending on location):
     Act as Vault Teller in accordance with established procedures
     Research teller offages and report findings to accounting
     Balance and service ATM
     Maintain adequate branch supplies
     Assist in coordinating marketing of in-store promotional activities and programs
     Complete location month end reports
  3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank
  4. Balance teller drawer and daily transactions according to established procedures
  5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.
  6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.
  7. Sell and cross-sell products and services. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.
  8. Open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures (depending on location).
  9. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor
  10. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  11. Adhere to compliance procedures and participate in required compliance training
  12. Perform other duties as assigned
July 22, 2020
Grade 4
Full-Time
Location: Brookings, SD / Sioux Falls, SD / Metro
 
Overall Functions
This person is responsible to provide support of Business Solutions Services to new and existing business customers. This person will work closely with Business Solutions Sales Officer/Consultant, Business Bankers and various departments within Banking Operations as well as third-party vendors.
 
Qualifications
A Bachelor’s degree in a business related field and two years of bank related experience or the equivalent is required. Knowledge of bank operations, transaction flows, and risk control monitoring is required. This person must be a self-starter, possess good analytical, organizational and decision-making skills, and must be able to multi-task and work independently. Effective communication is required using strong oral and written language skills. Knowledge of banking regulations is required.
 
Responsibilities
  1. Obtain required information from new and/or existing customers to analyze and execute proper structuring of Business Solutions business products and services on operating systems.
  2. Perform ongoing customer support as needed. Facilitate resolution of in-depth customer questions or issues by routing and following up on requests to appropriate personnel or departments as needed. Effectively work with appropriate vendors to support the business customer. Keep supervisor informed of potential issues or areas of concern.
  3. Maintain a high level of knowledge of business bank products and services by attending applicable training sessions supplied by vendors and other professional organizations. Stay apprised of the latest system enhancements and industry trends.
  4. Establish, develop and maintain effective working relationship with Business Banking Officers and support staff to build a network for new customers and expand existing customer relationships.
  5. Develop, prepare and provide training for bank personnel and customer education as needed or requested at the bank location or via telephone/web conferencing.
  6. Prepare daily, monthly, and quarterly reports, summaries, and notifications regarding the analysis, activity, and growth of Business Solutions products and services.
  7. Review Business Solutions service procedures and processes at least annually, maintaining and updating as necessary.
  8. Cross-train on functions within the Business Solutions Department.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
July 22, 2020
Grade 6
Full-Time
Location: Sioux Falls, SD / Brookings, SD / Metro
 
Overall Functions
This person performs periodic reviews of each business unit’s activities related to compliance with all applicable laws and regulations based on an established compliance program. This individual facilitates risk assessments and pending regulatory guidance. This person also reviews marketing materials to ensure compliance with all applicable laws and regulations, provides compliance support throughout the organization, and conducts compliance training sessions for small and large groups.
 
Qualifications
This person should have a bachelor’s degree and five years of experience as a compliance professional or experience in dealing with risk in other areas of banking or the equivalent. An above average knowledge in traditional and non-traditional bank products is required. In addition, this individual should have a compliance certification from at least one bank trade association. Strong written and verbal communication skills are required along with strong analytical and problem-solving skills. This individual should have an above average knowledge of Microsoft Office.
 
Responsibilities
  1. Monitor new and pending changes to laws, regulations, and regulatory guidance documents that may impact the organization, and assist in the implementation of new requirements.
  2. Complete risk assessment(s) and serve as a compliance resource on projects during the implementation of new products, processes, and services, including review and implementation of new or enhanced policies and procedures.
  3. Facilitate, maintains, and enhance, as needed, a comprehensive, risk-based compliance training program for new and existing employees.
  4. Recommend enhancements and changes to the compliance program to ensure effectiveness.
  5. Acts as a resource, instructor, and mentor for the education and development of Compliance Specialists and Compliance Officers, as required.
  6. Plan and conduct compliance reviews within established timeframes, ensuring all reviews conform to regulation as well as established departmental policies and procedures. Prepare working papers and detailed reporting of findings and recommendations. Ensure corrective action is taken.
  7. Provide guidance regarding compliance-related issues, including researching and collaborating with internal and external compliance resources as appropriate.
  8. 8.     Review proposed marketing materials for approval, ensuring compliance and risk factors are adequately addressed.
  9. Interact with Management in coordinating appropriate responses to identified compliance risk concerns within the organization.
  10. Resolve consumer complaints.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
September 16, 2020
Grade 3
Part-Time
Location: Brookings, SD
 
Overall Functions
This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.
 
Qualifications
This person should have a high school diploma plus two years of prior experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer.
 
Responsibilities
  1. Perform general teller functions which may include but are not limited to:
     Processing customer deposits and withdrawals
     Accepting loan payments
     Processing credit card cash advances
     Selling negotiable instruments such as cashier’s checks and money orders
  2. Duties may include (Depending on location):
     Act as Vault Teller in accordance with established procedures
     Research teller offages and report findings to accounting
     Balance and service ATM
     Maintain adequate branch supplies
     Assist in coordinating marketing of in-store promotional activities and programs
     Complete location month end reports
  3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank
  4. Balance teller drawer and daily transactions according to established procedures
  5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.
  6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.
  7. Sell and cross-sell products and services. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.
  8. Open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures (depending on location).
  9. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor
  10. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  11. Adhere to compliance procedures and participate in required compliance training
  12. Perform other duties as assigned
OVERALL FUNCTION: This person shall be responsible for maintaining efficient and successful operations of all branch staff and activities; in addition to developing new and managing existing deposit and loan accounts which will provide profitability to the Bank with minimum risk.

QUALIFICATIONS: This person should have a bachelor’s degree, plus a minimum of five years of advanced experience in bank lending or the equivalent. Emphasis is placed on suitable communication skills as well as aptitude for detail. An agriculture and supervisory background is preferred but not required.
PRINCIPAL RESPONSIBILITIES:

1. Supervise, plan and direct the daily activities and operations of the branch to ensure that all activities are conducted efficiently and effectively while maintaining a high level of customer service. Participate in decisions related to the selection, promotion, transfer, and discipline of assigned personnel.

2. Develop new business by contacting prospects and existing customers while making sound decisions and exhibiting good credit judgment. Be responsible for the Bank’s public relations and favorable image by being involved in the community.

3. Service and administer the assigned loan portfolio in accordance with the Loan Policies and Guidelines. Interview loan applicants, collect and analyze financial data to determine the feasibility of the prospect and the merits of the loan request.

4 Sell and cross-sell bank products and services: provide leadership, training and motivation to branch employees to promote their interest in selling and cross-selling bank products.

5. Manage the branch credit portfolio: perform annual collateral inspections to ensure adequate security coverage; on an on-going basis, consider the risk of each loan and assign a corresponding risk rating to the credit; ensure the complete collection of all loans extended by monitoring past-due reports and overdrawn accounts; and utilize legal collection efforts as outlined in the Loan Policy.

6. Responsible for annual performance reviews of all branch staff, including timely reports to Human Resources.

7. Coordinate scheduling at the branch to maintain efficient operations and meeting required coverage on a daily basis.

8. Ensure appropriate building maintenance and security by working with the designated officer in order to maintain a safe and attractive environment for customers and
employees.

9. Attend all meetings as deemed appropriate or directed by the supervisor to participate in decisions which affect bank functions.

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

11. Adhere to compliance procedures and participate in required compliance training.
 
September 16, 2020
Grade 5
Full-Time
Location: Brookings, SD
 
Overall Functions
This person will be fairly independent in their role and requires self-initiative and self-motivation to complete work. This individual would become a subject matter expert in a wide variety of duties related to deposit and payment transactions for First Bank & Trust. This person assists in corporate and departmental projects, trains others as appropriate and serves in a back-up capacity within the department as needed to ensure daily processes are completed.
 
Qualifications
This person should have a bachelor’s degree and three years of banking experience, preferably in banking operations, or the equivalent. Ideal candidate would have experience as a Banking Operations Specialist or have equivalent work history. This person must be able to work independently and handle multiple assignments simultaneously. This person must be able to make sound judgements in the absence of supervisor.
 
Responsibilities
  1. Be a resource and subject-matter expert for various areas within the department including, but not limited to, debit and credit card portfolio systems, checks, ATMs, Account Analysis and ACH.
  2. Lead the work efforts around the processing for compromised cards (CAMS) notifications and completing necessary maintenance.
  3. Become a designated Foxtrot Script writer to help in own department as well as others.
  4. Engage in Continuous Improvement leadership opportunities, while contributing to process improvements, operational efficiencies, and providing superior customer service. Document standard practices, and accurately track and record any testing or implemented ideas.
  5. Monitor and maintain Debit/Credit card inventory for all bank locations.
  6. Attend educational/informational webinars and review electronic bulletins to keep apprised of changes in the card, ACH and/or check industry. Relay this information to other departments as necessary.
  7. Mentor Banking Operations staff as appropriate and in the absence of supervisor. Be a positive leader for the department and the organization.
  8.  Respond timely and provide completed research requests to various inquiries by phone, in
    writing, and/or in person. Complete work by determining priorities, analyzing alternatives and
    selecting applicable methods and procedures for completion with little supervision.
  9. Communicate with and/or meet with vendors as appropriate to keep communication lines open, as
    well as resolve any customer impacting issues. Assist in identifying critical points of possible
    customer impact and provide recommendations on how to improve the process.
  10. Comply with laws, regulations, and policies that impact the business, keeping supervisor apprised
    of potential issues or areas of concern. Assist in identifying critical points of possible failure and
    identify options on how to limit exposure to failure. If/when systemic risks are identified, report
    them timely to the appropriate person(s).
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
October 14, 2020
Grade 5
Full-Time
Location: Sioux Falls, SD
 
Overall Functions
This person shall be responsible for developing and managing deposit and consumer loan accounts that meet established requirements to provide maximum profitability to the bank with minimum risk.
 
Qualifications
This person should have a bachelor’s degree and two years of related experience or the equivalent. This person should possess excellent verbal and written communication skills, have a well rounded banking knowledge, and have the ability to satisfy the banking needs of the customer.
 
Responsibilities
  1. Responsible for developing new and maintaining existing relationships that are profitable to the bank. Actively communicate with and provide excellent customer service to existing customers to strengthen retention. Work with resources provided to develop new customer relationships; including mortgage group, business banking group, ag group, brokerage/trust, construction department, existing customers, etc.
  2. By being a product and process expert, sell and cross-sell products and services to consumer and commercial customers/prospects that are profitable to the bank.
  3. Following Loan Policy and Guidelines, originate, underwrite, and close consumer loans. Monitor and maintain both the deposit and credit portfolios of customer households for quality and potential risk. If necessary, follow through on collection efforts, using all legal means as required by Loan Policy and Guidelines.
  4. As coordinated by the Retail Branch Manager, conduct weekly surveys of competitors deposit rates and special offerings. Update internal rate chart and distribute to appropriate bank personnel.
  5. Receive and verify domestic wire instructions from customers and transmit that information to the Accounting department.
  6. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
  7. Adhere to compliance procedures and participate in required compliance training and all meetings deemed appropriate by supervisor.
  8. Be involved in professional and non-profit organizations outside of the bank to help maintain the positive reputation of the bank.
September 16, 2020
Grade 3
Intern
Location: Brookings, SD
 
Overall Functions
Manage technology and corporate operations-related projects to ensure successful development and implementation. Work with internal and external users to design, develop, integrate, and maintain systems supporting business initiatives while achieving operating efficiency and information integrity.
 
Qualifications
This person should be pursuing an associate’s degree or the equivalent. This person must possess analytical, technical writing, and organizational skills, with the ability to exercise confidentiality and discretionary judgment.
 
Responsibilities
  1. Perform system administration duties for financial-related applications, security system, SharePoint, View desktop environment, and multiple other applications including user management, upgrades, new implementations, support, and training of system users.
  2. Manage client program implementation through planning tasks, controlling resources, and monitoring progress in order to support the implementation of technology solutions to business initiatives.
  3. Perform consultative or leadership role in the development of processing solutions, providing product information, solutions design, and documentation to ensure effective use of business information.
  4. Investigate, review, and evaluate business information and processes to identify workflow issues, and make recommendations to address efficient and accurate use of resources.
  5. Perform work by determining priorities, analyzing alternatives, and selecting applicable methods and procedures for completion. Develop planning and implementation of methodologies, working with project team and vendors with little supervision.
  6. Assist team with helpdesk support rotation as needed.
  7. Attend all meetings as deemed appropriate.
  8. Act in accordance with FFC policies and procedures as set forth in employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
September 18, 2020
Grade 3
Intern
Location: Brookings, SD
 
Overall Functions
Assist the Loss Mitigation Administrator servicing mortgage loans of First Bank & Trust.
 
Qualifications
This person should have a minimum of one year of business-related classes in a higher learning setting or the equivalent. Good oral and written communication, analytical skills and attention to details are essential. Experience in Microsoft word and Excel is highly recommended.
 
Responsibilities
  1. Prepare and mail customer correspondence in relation to mortgage loans.
  2. Prepare correspondence, including but not limited to judgements, satisfactions and dismissals, with the clerk of courts and sheriff departments.
  3.  Perform regular systems maintenance and data entry, including but not limited to CHEX systems, CRM, collection logs and litigation platforms.
  4. Work with all banking officers on past due DDA (demand deposit accounts) and credit card accounts.
  5. Prepare and create monthly reports for committee review.
  6. Perform a variety of general clerical duties and act as support staff to key bank personnel
  7. Attend all meeting as deemed appropriate.
  8. Act in accordance with FBT policies and procedures as set forth in the employee handbook.
  9. Adhere to compliance procedures and participate in required compliance training.
RESPONSIBILITIES: This person shall be responsible for providing high quality retail services to customers. This person is responsible for the referral and sales of banking products to new, existing and prospective customers.

QUALIFICATIONS: This person should have a high school diploma plus two years of prior experience in a customer service related field or the equivalent. This person should have good communication, problem solving and analytical skills as well as a genuine interest in satisfying the banking needs of the customer.
PRINCIPAL RESPONSIBILITIES:

1. Perform general teller functions which may include but are not limited to:
· Processing customer deposits and withdrawals
· Accepting loan payments
· Processing credit card cash advances
· Selling negotiable instruments such as cashier’s checks and money orders

2. Duties may include (Depending on location):
· Act as Vault Teller in accordance with established procedures
· Research teller offages and report findings to accounting
· Balance and service ATM
· Maintain adequate branch supplies
· Assist in coordinating marketing of in-store promotional activities and programs
· Complete location month end reports

3. Maintain sufficient cash drawer funds to provide timely customer service while remaining within the drawer limit requirements set by the bank

4. Balance teller drawer and daily transactions according to established procedures

5. Watch for stop payments, check kiting, counterfeit or fraudulent checks and other suspicious transactions.

6. Develop and service deposit account relationships. Answer inquiries and provide information to customers on various accounts and services, both retail and non-retail.

7. Sell and cross-sell products and services. Identify the needs of existing and prospective customers and assist them or refer them to the appropriate department.

8. Open new deposit and CD accounts. Accept and verify information relating to the opening of new deposit relationships in accordance with procedures (depending on location).

9. Attend all team meetings and any other meetings and/or training deemed necessary by supervisor

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

11. Adhere to compliance procedures and participate in required compliance training
 
 
September 18, 2020
 
August 21, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD or Twin Cities Metro, MN
 
Overall Functions
This person provides required mortgage loan underwriting in accordance with secondary market standards. This person also assists in training the mortgage loan operations staff and the mortgage loan processing function. This position also provides mortgage loan processing support for the mortgage loan officers.
 
Qualifications
This person should have a bachelor’s degree plus three years of experience in all mortgage loan types or the equivalent. This person must have the ability to exercise independent and sound underwriting judgment and effectively apply knowledge of regulatory and industry guidelines to loan decisions. Good communication skills plus the willingness to work with others is required.
 
Responsibilities
  1. Review credit packages for credit quality, property eligibility, properly executed documentation, and compliance. Approve, suspend, or deny credit requests based on established industry standards. Communicate credit decisions to the mortgage loan officer and processor, and clarify any necessary requirements to resolve outstanding credit issues.
  2. Assist in any training for the mortgage loan operations staff and the mortgage loan processing function according to established procedures, including preparation and monitoring of all mortgage loan documentation from origination to closing, identification of complete and accurate documentation for all types of mortgage loans, and submission of credit packages for underwriting.
    Direct the secondary market function, ensuring effective and efficient underwriting, shipping, post-closing follow-up, document control, and accounting.
  3. Monitor and update manuals and software for regulatory, industry, and product changes as
  4. required. Assist the Senior Mortgage Underwriter to control and administer access, installation, and implementation of all mortgage-related software and updates.
  5. Assist the Senior Mortgage Underwriter to monitor new and pending changes to laws, regulations, and regulatory guidance. Attend seminars and other educational opportunities as needed.
  6. Attend loan/compliance department meetings as requested by management to participate in decisions that affect ongoing and future operations of each department.
  7. Advise and assist management in maintaining and updating the bank’s Loan Policy and Guidelines according to established procedures.
  8. Provide support to correspondent and branch banks with origination, underwriting preparation, and closings for secondary loans.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
 
 
 
March 12, 2020
Grade 6
Full-Time
Location: Roseville, MN
 
Overall Functions
This person underwrites, services, and develops business loan relationships in a profitable manner while minimizing risk. Emphasis is placed on credit quality, loan performance, and client profitability.
 
Qualifications
This person should have a bachelor's degree and a minimum of two years of related experience or the equivalent. Experience in loan documentation, loan file compliance, and credit analysis, as well as an in-depth understanding of business and personal financial concepts, is recommended. This person must possess good communication, marketing, sales, and negotiation skills.
 
Responsibilities
  1. Service and administer assigned business loans in accordance with the Loan Policy and Guidelines.
  2. Interview loan applicants, and collect and analyze financial and related data to formulate proposals for existing and prospective clients.
  3. Establish and negotiate where necessary the terms under which a business banking relationship will be extended, including the costs, repayment method, schedule, and collateral requirements, and include all documentation according to the Loan Policy and Guidelines.
  4. Develop new relationships by contacting prospects and clients while making sound decisions and exhibiting good credit judgment. On an ongoing basis, consider the level of risk in each loan in the portfolio and assign the corresponding risk rating to the loan.
  5. Maintain a high level of knowledge of Business Solutions products and services. Develop and maintain effective working relationships between the Business Solutions Department and the Business Banking Department to promote cross-selling of products and services.
  6. Underwrite Business Credit Card applications in accordance with established Business Credit Card underwriting guidelines to ensure proper documentation and approval levels are met.
  7. Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.
  8. Review and discuss with business loan clients concerning various financial needs, cross-sell products, and answer clients’ questions about bank policies and procedures. Keep abreast of trends that may impact the bank's clients, including legal, regulatory, and economic issues.
  9. Counsel with the Business Banking Department Manager on all matters pertinent to the operations of the Business Banking Department.
  10. Attend all loan meetings as directed by the Business Banking Department Manager to participate in decisions that affect ongoing and future operations of the Business Banking Department.
  11. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  12. Adhere to compliance procedures and participate in required compliance training.
 
 
 
 
August 3, 2020
Grade 5
Full-Time
Location: Brookings, SD or Sioux Falls, SD or Twin Cities Metro, MN
 
Overall Functions
This person provides required mortgage loan underwriting in accordance with secondary market standards. This person also assists in training the mortgage loan operations staff and the mortgage loan processing function. This position also provides mortgage loan processing support for the mortgage loan officers.
 
Qualifications
This person should have a bachelor’s degree plus three years of experience in all mortgage loan types or the equivalent. This person must have the ability to exercise independent and sound underwriting judgment and effectively apply knowledge of regulatory and industry guidelines to loan decisions. Good communication skills plus the willingness to work with others is required.
 
Responsibilities
  1. Review credit packages for credit quality, property eligibility, properly executed documentation, and compliance. Approve, suspend, or deny credit requests based on established industry standards. Communicate credit decisions to the mortgage loan officer and processor, and clarify any necessary requirements to resolve outstanding credit issues.
  2. Assist in any training for the mortgage loan operations staff and the mortgage loan processing function according to established procedures, including preparation and monitoring of all mortgage loan documentation from origination to closing, identification of complete and accurate documentation for all types of mortgage loans, and submission of credit packages for underwriting.
    Direct the secondary market function, ensuring effective and efficient underwriting, shipping, post-closing follow-up, document control, and accounting.
  3. Monitor and update manuals and software for regulatory, industry, and product changes as
  4. required. Assist the Senior Mortgage Underwriter to control and administer access, installation, and implementation of all mortgage-related software and updates.
  5. Assist the Senior Mortgage Underwriter to monitor new and pending changes to laws, regulations, and regulatory guidance. Attend seminars and other educational opportunities as needed.
  6. Attend loan/compliance department meetings as requested by management to participate in decisions that affect ongoing and future operations of each department.
  7. Advise and assist management in maintaining and updating the bank’s Loan Policy and Guidelines according to established procedures.
  8. Provide support to correspondent and branch banks with origination, underwriting preparation, and closings for secondary loans.
  9. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  10. Adhere to compliance procedures and participate in required compliance training.
 
August 5, 2020
Grade 4
Full-Time
Location: Brookings, SD
 
Overall Functions
This person works as part of an autonomous team and performs a wide variety of duties related to deposit and payment transactions for First Bank & Trust. This includes processing, exceptions, reconciliation, research, maintenance and support for both internal and external customers. This person may be required to work in the evenings and/or during on-call hours.
 
Qualifications
This person should have an associate’s degree in a business-related field and one year of bank-related experience or the equivalent. Above average customer service skills and the ability to work independently, as well as part of a team, to complete a variety of tasks while meeting deadlines. This person should have an aptitude for detail and accuracy and possess problem solving skills.
 
Responsibilities
  1. Process ACH and/or Check 21 files with accuracy and attention to detail, as well as understand how the ACH and Check networks operate. Follow the appropriate Rules and Regulations related to file processing and possible exceptions to ensure completion within the appropriate timeframes. Respond to research and maintenance requests promptly.
  2. Process credit card applications and maintain a solid working relationship with underwriters. Process credit card payments, as well as respond to customer inquiries and research requests promptly and professionally. Work with vendors when appropriate regarding the credit card portfolio.
  3. Monitor day to day activity for ATM fleet. Communicate with Retail staff and vendors as appropriate to ensure ATM functionality. Keep Support Analysts and Supervisor informed of trending issues to be further researched; they are also your contact point for escalated situations.
  4. Be engaged with Continuous Improvement initiatives to contribute to process improvements, operational efficiencies, and superior customer service.
  5. Perform quality checks of all critical, key daily functions within the department and respond to department emails as appropriate. Assist in reviewing, maintaining, and updating department procedures annually, at a minimum. Strengthen team dynamics by participating in cross-training efforts as needed.
  6. Act as a resource for internal and external customers across the organization in regards to deposit accounting functions and applicable regulations. Respond to customer inquiries and requests in a timely manner; assisting frontline staff promptly to expedite resolutions to customer issues.
  7. Research, investigate, track, and follow all Regulation E rules, demonstrating accuracy, thoroughness, and orderliness in working ACH disputes and ATM/POS disputes. Respond to customers in accordance with Regulation E timeframes.
  8. Contribute to and support Operational programs. Be familiar with and practice the “Be the 1” principles. Actively pursue developmental opportunities as discussed in one-on-ones and/or annual performance reviews.
  9. Comply with laws, regulations, and policies that impact the business, keeping the supervisor and department manager apprised of potential issues or areas of concern.
  10. Act in accordance with FFC policies and procedures as set forth in the employee handbook.
  11. Adhere to compliance procedures and participate in required compliance training.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fishback Financial Corporation 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, 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 hr@bankeasy.com.