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Credit Review Associate III

Department: Credit Review
Location: Fargo, ND

First International Bank and Trust is recognized seven years in a row for being a Top 50 Best Places to Work. This isn’t just an award placed on the shelf. It speaks to the teams of colleagues who are dedicated to create extraordinary experiences based on the philosophy of treating every customer like family.

Please see below for additional information regarding the Credit Review Associate III position and submit your online application!

Position Summary: 

Under the direction of the Credit Review Manager, provide an assessment of the loan portfolio condition and quality, independent of the lending function, and reviews the adherence of First International Bank and Trust's policies, procedures, and to federal and state laws and regulations by performing the following duties.

Essential Job Responsibilities:

  • Reviews complex commercial and agriculture loan files for compliance with policies, laws, and regulations.
  • Determines the overall risk rating and reports any findings which may have an adverse effect on loan collateral or a borrower’s ability to repay the loan. 
  • Strong knowledge of subject matter with the ability to train and supervise others on the Credit Review team.
  • Strong knowledge of FIB&T policies, procedures and practices.
  • Stays abreast of changes to federal and state banking laws and regulations affecting the management, operations and product offerings of FIB&T.
  • May assist with preparation and maintenance of Watch List and Allowance for Loan and Lease Loss reports to the Board of Directors.
  • Responsible for one or more complex projects or reports.
  • Comply with federal, state, and company policies, procedures, internal controls, and regulations.
  • Responsible for confidentiality including protection of sensitive information and its integrity in compliance with First International Bank & Trust information security, departmental policies, standards and procedures. Responsible for reporting events including suspicious activity as well as cooperating with all investigations.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

Bachelor's degree from four-year college or university; five years’ experience or more preferred.  Bank Examiner experience strongly preferred.