Job Title: Loan Officer

Company Overview: Established in 1903, The First State Bank of Malta has been the cornerstone of financial stability and community support in Phillips County, Montana, for over a century. Located in scenic Malta, Montana, our bank combines a rich history with modern banking technology to serve our customers and community with integrity and dedication.

Position Overview: We are seeking a skilled and customer-focused Loan Officer to join our team. This role is pivotal in fostering relationships with customers, assessing creditworthiness, and structuring loan solutions that meet both borrower needs and bank objectives. The ideal candidate will possess strong analytical skills, a deep understanding of credit analysis, and a passion for community engagement. Salary range of $50,000-$80,000, depending on experience.

Key Responsibilities:

• Conduct thorough customer interviews to gain insights into business operations and align financial products with client needs.
• Prepare, analyze, and present credit proposals using Moody’s Analytics software, ensuring accuracy and completeness.
• Serve as an active member of the loan review committee, contributing expertise to evaluate credit requests and customer projects.
• Perform detailed credit analysis on loan applications, assessing financial statements, cash flow projections, and collateral.
• Present comprehensive credit summaries and make well-founded recommendations to the Loan Committee.
• Maintain regular contact with customers throughout the loan servicing lifecycle, providing exceptional service and support.
• Conduct on-site visits to evaluate collateral positions, production cycles, and future credit needs, ensuring prudent risk management.
• Cultivate strong relationships with community organizations to enhance small business lending through strategic partnerships.
• Engage in community activities and strategic partnerships to understand local needs and contribute to community development initiatives.

Qualifications:

• Bachelor’s degree in Finance, Economics, Business Administration, Agriculture, or a related field.
• Proven experience in credit analysis within a banking or financial institution.
• Strong proficiency in financial analysis tools and Moody’s Analytics software preferred.
• Excellent interpersonal and communication skills, with the ability to build trust and rapport with customers and stakeholders.
• Sound decision-making abilities with a keen attention to detail and a commitment to regulatory compliance.
• Ability to thrive in a collaborative team environment and contribute to organizational goals.
• Knowledge of agricultural lending practices, familiarity with small business lending, and community banking principles a plus.

Why Join Us:

• Join a respected community bank with a rich history of service and commitment to Phillips County.
• Competitive salary and benefits package, including healthcare and retirement plans.
• Opportunity for professional growth and development in a supportive work environment.
• Experience the scenic beauty and recreational opportunities of Malta, Montana, a welcoming community with a strong sense of community pride.
•  

Application Process: To apply, please submit a resume and cover letter outlining your qualifications and interest in the Loan Officer position to bgalt@fsbmalta.com Include examples of successful loan transactions or credit analysis projects you've managed.

Equal Opportunity Employer: The First State Bank of Malta is proud to be an equal opportunity employer.