Credit Analyst - Baxter, Grand Rapids, or Bemidji


Primary Position Objective:

Participate in the Commercial Banking process by providing research and analysis that will support the Business Bankers in the underwriting process. Spread and analyze year-end and interim financial statements and monitor monthly borrowing base certificates to ensure collateral coverage is adequate. Prepare credit approval presentations including yield and risk rating analysis, guarantor cash flow analysis through analysis of personal financial statements and tax returns, cash flow analysis for commercial real estate and financial projections as necessary and directed by department staff

Major Responsibilities and Duties:

1. Spread and analyze interim and year-end financial statements, borrowing base certificates, personal financial statements and tax returns, ensuring timely completion of required reports.

2. In conjunction with Business Bankers, assist in the preparation of written commercial loan analyses in a concise but complete format identifying major trends, issues. Develop a strong foundation in analysis in order to understand and to identify credit risks. Use that foundation to make informed lending decisions.

3. Work with Business Bankers to ensure financial information from clients and prospects is processed and distributed in an accurate, timely and consistent manner to ensure financial risk is managed appropriately.

4. Monitor loan covenants and reporting requirements as necessary. Check covenant compliance as annual and interim financial statements are received and spread.

5. Coordinate with other staff to ensure timely completion of month-end reporting as necessary.

6. Build on acquired skills to analyze increasingly complex companies and industries, eventually assuming more responsibility for credit approval presentations.

7. Assists CCO with reporting to the Officer’s Credit Committee, Director’s Credit Committee, or Board of Directors on an “as needed” basis.

8. Perform other duties as apparent or assigned.

Regulatory Compliance Requirements:

Responsible for meeting the requirements for all statutes/regulations pertaining to or governing their positions/departments.

Independent Judgment:

·Must use a moderate degree of independent judgment when determining the financial risk and collateral risk associated with each transaction analyzed as well as the appropriate advance rates for type and quality of collateral and the appropriate handling of customer service issues.

· Must understand organizational and departmental priorities, and effectively manage the workload with nominal direction.

Required Knowledge, Skills and Abilities:

1. College degree in business, accounting, finance or comparable employment experience.

Desirable Knowledge, Skills and Abilities:

1. Formal credit/cash flow analysis training, and well-developed credit analysis and analytical skills.

2. Strong interpersonal skills, with a demonstrated excellence in working effectively as an individual and as part of a team

3. Strong personal motivation and attention to detail

4. Understanding of economics, finance, accounting, financial statements and generally accepted accounting principles (GAAP).

5. Basic knowledge of risk analysis

6. Ability to discuss financial and collateral issues with Business Bankers and customers.

7. The ability to independently prioritize work, multi-task and meet deadlines.

8. Excellent written, verbal and analytical skills.

9. Effective technical report writing skills

10. Strong computer skills with experience with Microsoft Office Suite and financial spread sheet software.

Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Applications are can be found at the bottom of this page.






Full-Time Bank Teller - Baxter


Full-Time Bank Teller

Reports to:

Retail Manager

Position Summary:

Responsible for performing a variety of duties such as proper handling of teller work, cash, accurately balancing, deposits, checks, payments promoting various bank products and services as well as other tasks as assigned. This position demands a high level of customer service skills, attention to detail and adherence to all bank policies and procedures.

Functions, Duties and Responsibilities:

  • Assist customers and staff with various retail, operations and customer service support.
  • Receives customer deposits for all accounts and payments. Verifying customer balances and requiring proper identification and documentation.
  • Maintains currency and coin supply within bank policy.
  • Maintains balancing records within acceptable limits.
  • Familiar with security equipment and understands safety precautions.
  • Provides various tasks including but not limited to verifying balances, balance ATM, order checks, documenting change of addresses, answering phones and questions, follow proper safe deposit box access, branch capture, redeem savings bonds, buy and sell foreign currency, prepare cashier checks, selling gift and reloadable cards, temporary cards, wire transfers, verify mail and night depository bags and envelopes, accurate logs and other appropriate activities to support the banks service reputation.
  • Cross sell and introduce new services to customers following the focus of branch goals and regulatory guidance.
  • Open and close the bank following proper security procedures.
  • Any other functions, duties and responsibilities as management may assign

Knowledge, Skills and Abilities:

  • Provide excellent customer service and work in a team environment.
  • Ability to prioritize and make on the spot decisions regarding customer transactions, weighing customer satisfaction issues with exposure to loss or fraud.
  • In-depth knowledge of all bank deposit products, services and policies
  • Basic knowledge of bank loan and investment center products
  • Effectively operate all office equipment required to support this position. To include but not limited to personal computer, strong keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database and presentation software necessary.
  • Must be alert to fraudulent activity, dishonesty, questionable behavior or improper handling of accounts and report to appropriate Bank personnel.Strong interpersonal skills, attention to detail, positive attitude and pleasant personality.
  • Excellent oral and written communication skills. Display independent judgement.
  • Demonstrate excellent organization, prioritize workflow, adaptability and flexibility.
  • Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy.

Training and Experience:

  • High school diploma or GED preferred; and cash handling and customer service experience preferred.

Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Job Type: Part-time

Applications can be found below. 






Residential Real Estate Loan Funder


Reports to:

Julie Mohs, Vice President Mortgage Quality Control Manager

Position Summary:

Responsible for timely and independent funding of real estate loan files. Precise data entry of customer information. Daily collaborations with Loan Officers and Processors as well as Disclosure and Servicing teams. This position demands extreme attention to detail with outstanding quality, excellent customer service, and adherence to all bank policies and procedures while staying in compliance with all applicable laws and regulations. Position will be in the Baxter location.

Functions, Duties and Responsibilities:

  • Monitor closing and funding dates and comply with our rules and regulations
  • Review loan application and file for accuracy and completeness
  • Ensure all closing documents are all signed and dated properly
  • Accurately fund and board closed loans
  • Prepare mortgage for recording
  • Properly store signed Notes within designated document storage
  • Monitor/Request supporting documentation needed to complete the funding process (verifications, note/request missing documents, use third party services to achieve such as appraisal companies and title services)
  • Prepare loans for submission to Fannie Mae or correspondent channel
  • Adhere to HMDA regulations
  • Ensure that all work performed in the Real Estate department complies with all bank policies, procedures, laws, and regulations.
  • Additional duties as assigned

Knowledge, Skills and Abilities:

  • Provide excellent customer service and work in a team environment
  • Ability to prioritize and make ‘on the spot’ decisions that impact the customer, weighing customer satisfaction with exposure to loss or fraud
  • In-depth knowledge of mortgage process
  • Effectively operate all office equipment required to support this position. To include but not limited to personal computer, strong keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database and presentation software necessary
  • Strong interpersonal skills, attention to detail and positive attitude
  • Excellent oral and written communication skills. Display independent judgement.
  • Demonstrate excellent organization, prioritize workflow, adaptability and flexibility.
  • Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy.

Training and Experience:

  • Two-year college degree or, finance or banking experience, preferred.

*Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Job Type: Full-time

Applications can be found below. 






Full-Time Bank Teller - Blackduck


We want YOU to join our awesome team here at Deerwood Bank! Come find out how we make banking nice & simple…

Full-Time Bank Teller

Reports to:

Retail Manager

Position Summary:

Responsible for performing a variety of duties such as proper handling of teller work, cash, accurately balancing, deposits, checks, payments promoting various bank products and services as well as other tasks as assigned. This position demands a high level of customer service skills, attention to detail and adherence to all bank policies and procedures.

Functions, Duties and Responsibilities:

  • Assist customers and staff with various retail, operations and customer service support.
  • Receives customer deposits for all accounts and payments. Verifying customer balances and requiring proper identification and documentation.
  • Maintains currency and coin supply within bank policy.
  • Maintains balancing records within acceptable limits.
  • Familiar with security equipment and understands safety precautions.
  • Provides various tasks including but not limited to verifying balances, balance ATM, order checks, documenting change of addresses, answering phones and questions, follow proper safe deposit box access, branch capture, redeem savings bonds, buy and sell foreign currency, prepare cashier checks, selling gift and reloadable cards, temporary cards, wire transfers, verify mail and night depository bags and envelopes, accurate logs and other appropriate activities to support the banks service reputation.
  • Cross sell and introduce new services to customers following the focus of branch goals and regulatory guidance.
  • Open and close the bank following proper security procedures.
  • Any other functions, duties and responsibilities as management may assign

Knowledge, Skills and Abilities:

  • Provide excellent customer service and work in a team environment.
  • Ability to prioritize and make on the spot decisions regarding customer transactions, weighing customer satisfaction issues with exposure to loss or fraud.
  • In-depth knowledge of all bank deposit products, services and policies
  • Basic knowledge of bank loan and investment center products
  • Effectively operate all office equipment required to support this position. To include but not limited to personal computer, strong keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database and presentation software necessary.
  • Must be alert to fraudulent activity, dishonesty, questionable behavior or improper handling of accounts and report to appropriate Bank personnel.Strong interpersonal skills, attention to detail, positive attitude and pleasant personality.
  • Excellent oral and written communication skills. Display independent judgement.
  • Demonstrate excellent organization, prioritize workflow, adaptability and flexibility.
  • Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy.

Training and Experience:

  • High school diploma or GED preferred; and cash handling and customer service experience preferred.

Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Job Type: Part-time

Applications can be found below. 






Part-Time Bank Teller - Brainerd


We want YOU to join our awesome team here at Deerwood Bank! Come find out how we make banking nice & simple…

Part-Time Bank Teller

Reports to:

Retail Manager

Position Summary:

Responsible for performing a variety of duties such as proper handling of teller work, cash, accurately balancing, deposits, checks, payments promoting various bank products and services as well as other tasks as assigned. This position demands a high level of customer service skills, attention to detail and adherence to all bank policies and procedures.

Functions, Duties and Responsibilities:

  • Assist customers and staff with various retail, operations and customer service support.
  • Receives customer deposits for all accounts and payments. Verifying customer balances and requiring proper identification and documentation.
  • Maintains currency and coin supply within bank policy.
  • Maintains balancing records within acceptable limits.
  • Familiar with security equipment and understands safety precautions.
  • Provides various tasks including but not limited to verifying balances, balance ATM, order checks, documenting change of addresses, answering phones and questions, follow proper safe deposit box access, branch capture, redeem savings bonds, buy and sell foreign currency, prepare cashier checks, selling gift and reloadable cards, temporary cards, wire transfers, verify mail and night depository bags and envelopes, accurate logs and other appropriate activities to support the banks service reputation.
  • Cross sell and introduce new services to customers following the focus of branch goals and regulatory guidance.
  • Open and close the bank following proper security procedures.
  • Any other functions, duties and responsibilities as management may assign

Knowledge, Skills and Abilities:

  • Provide excellent customer service and work in a team environment.
  • Ability to prioritize and make on the spot decisions regarding customer transactions, weighing customer satisfaction issues with exposure to loss or fraud.
  • In-depth knowledge of all bank deposit products, services and policies
  • Basic knowledge of bank loan and investment center products
  • Effectively operate all office equipment required to support this position. To include but not limited to personal computer, strong keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database and presentation software necessary.
  • Must be alert to fraudulent activity, dishonesty, questionable behavior or improper handling of accounts and report to appropriate Bank personnel.Strong interpersonal skills, attention to detail, positive attitude and pleasant personality.
  • Excellent oral and written communication skills. Display independent judgement.
  • Demonstrate excellent organization, prioritize workflow, adaptability and flexibility.
  • Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy.

Training and Experience:

  • High school diploma or GED preferred; and cash handling and customer service experience preferred.

Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Job Type: Part-time

Applications can be found below. 






Part-Time Bank Teller - Deerwood


We want YOU to join our awesome team here at Deerwood Bank! Come find out how we make banking nice & simple…

Part-Time Bank Teller

Reports to:

Retail Manager

Position Summary:

Responsible for performing a variety of duties such as proper handling of teller work, cash, accurately balancing, deposits, checks, payments promoting various bank products and services as well as other tasks as assigned. This position demands a high level of customer service skills, attention to detail and adherence to all bank policies and procedures.

Functions, Duties and Responsibilities:

  • Assist customers and staff with various retail, operations and customer service support.
  • Receives customer deposits for all accounts and payments. Verifying customer balances and requiring proper identification and documentation.
  • Maintains currency and coin supply within bank policy.
  • Maintains balancing records within acceptable limits.
  • Familiar with security equipment and understands safety precautions.
  • Provides various tasks including but not limited to verifying balances, balance ATM, order checks, documenting change of addresses, answering phones and questions, follow proper safe deposit box access, branch capture, redeem savings bonds, buy and sell foreign currency, prepare cashier checks, selling gift and reloadable cards, temporary cards, wire transfers, verify mail and night depository bags and envelopes, accurate logs and other appropriate activities to support the banks service reputation.
  • Cross sell and introduce new services to customers following the focus of branch goals and regulatory guidance.
  • Open and close the bank following proper security procedures.
  • Any other functions, duties and responsibilities as management may assign

Knowledge, Skills and Abilities:

  • Provide excellent customer service and work in a team environment.
  • Ability to prioritize and make on the spot decisions regarding customer transactions, weighing customer satisfaction issues with exposure to loss or fraud.
  • In-depth knowledge of all bank deposit products, services and policies
  • Basic knowledge of bank loan and investment center products
  • Effectively operate all office equipment required to support this position. To include but not limited to personal computer, strong keyboarding skills, fax, scanner/copier, printer, phone system, all applications, spreadsheets, database and presentation software necessary.
  • Must be alert to fraudulent activity, dishonesty, questionable behavior or improper handling of accounts and report to appropriate Bank personnel.Strong interpersonal skills, attention to detail, positive attitude and pleasant personality.
  • Excellent oral and written communication skills. Display independent judgement.
  • Demonstrate excellent organization, prioritize workflow, adaptability and flexibility.
  • Ability to work in a fast-paced environment and be a quick thinker and learner while maintaining a high degree of accuracy.

Training and Experience:

  • High school diploma or GED preferred; and cash handling and customer service experience preferred.

Disclaimer:
*The above statements are intended to describe the general nature of work of employee. Deerwood Bank has the authority to change and/or add any functions, duties and responsibilities as management deems necessary to meet business and organizational needs.

Job Type: Part-time

Applications can be found below. 






Employment Application Form *PDF* »

Mail completed applications and/or resumes to (Unless otherwise indicated above)

Andrea Bedard, PHR
Deerwood Bank
PO Box 520
Deerwood, MN 56444

Or scan and email to andrea.bedard*AT*deerwoodbank.com

 

An Equal Opportunity Employer

Applicant Rights Under Federal Employment Laws:

Family and Medical Leave Act (FMLA) 

Equal Employment Opportunity (EEO)

Equal Employment Opportunity Supplement

Employee Polygraph Protection Act (EPPAC)