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February 28, 2023
Grade 9
Location: Edina, MN or Roseville, MN
Overall Functions
This person will partner with lenders in support of negotiating rates and terms on a wide variety of loans, some of which may be complex. This must be done in a profitable manner, while minimizing risk to the bank. Emphasis is placed on credit quality, loan performance and customer profitability. Will also serve on multiple loan committees as directed by management.

This person should have a bachelor’s degree and ten years of work-related experience or the equivalent. This person should have strong experience in credit administration, loan documentation, loan file compliance and workout strategies. It is necessary that this person possess good communication skills.


1. Develop new business by working with lenders and customers while making sound decisions and exhibiting good credit judgment.

2. Assist lender with new 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.

3. Establish and negotiate where necessary the terms under which credit will be extended, including the costs, repayment method, schedule, interest rate and collateral requirements to include securing required signatures and all documentation according to the Loan Policy and Guidelines.

4. Reviewing large loan requests as directed by the Loan Policy and Guidelines Provide support and guidance to the Bank’s Presidents and loan officers on credit related issues, focusing on asset quality.

5. On an ongoing basis, consider the level of risk in each loan in the portfolio and assign the corresponding risk rating to the loan.

6. Utilize reasonable efforts on the collection of loans extended using any legal means as outlined in the Loan Policy and Guidelines.

7. Review and discuss with loan customers concerning various financial needs and answer customer questions about existing bank policies and procedures.

8. Provide support to the EVP/Chief Lending Officer on direction of the credit underwriting and quality control to ensure that all activities are conducted efficiently and effectively and that all assigned staff are trained, evaluated, and motivated to perform their responsibilities in an effective manner.

9. Attend Metro loan meetings as directed by the EVP/Chief Lending Officer to participate in decisions, which affect ongoing and future operations of the loan function.

10. Service and administer assigned loans in accordance with existing Loan Policies and Guidelines.

11. Assist with annual collateral inspections to ensure adequate security coverage for the credit.

12. Work with our internal legal department on any legal documents that will ensure limited risk to the Bank’s loan portfolio.

13. Keep informed of trends, which may impact the Bank's loan portfolio, including legal, regulatory and economic issues.

14. Act in accordance with First Bank & Trust policies and procedures as set forth in the employee handbook.

15. 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(Opens in a new Window). Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 877.950.7502 or email