Commercial Loan Officer

Commercial Loan Officer

Department: Commercial Sales Location: Watford City, ND

First International Bank and Trust is a family-owned community bank and one of Prairie Business Magazine's 50 best places to work.

We are seeking a motivated and experienced Commercial Loan Officer to join our dynamic team. The ideal candidate will possess a strong business development background, a solid foundation in accounting and economics, and an in-depth understanding of the Western North Dakota market. This role is essential in expanding our commercial and Ag lending portfolio and enhancing customer relationships.

• Assess creditworthiness and authorize loan approvals by reviewing financial statements and required documentation.
• Analyze title reports, surveys, and collateral to identify and mitigate risk.
• Structure and negotiate loan terms that are beneficial to both the customer and FIBT.
• Clearly communicate loan conditions, terms, and obligations to customers.
• Monitor delinquent accounts and recommend appropriate action for resolution.
• Build and maintain strong relationships with new and existing clients by delivering customized financial solutions.
• Prepare and manage accurate loan documentation to ensure compliance with legal and regulatory standards.
• Stay informed on local and regional lending market trends, including interest rates and covenant structures.
• Actively develop and manage a pipeline of commercial lending opportunities in Western North Dakota.

• Effective communicator
• Team contributor
• Strong interpersonal skills
• Customer-focused mindset
• Naturally curious and proactive

• Bachelor's degree in finance, accounting, economics or related field; minimum of 3 years of commercial lending or closely related experience; equivalent education and experience, or equivalent combination of education and experience is required.
• Proven track record in business development and loan origination.
• Strong analytical skills and attention to detail.
• Familiarity with the Western North Dakota market and its economic landscape.

• Health, Dental & Vision
• 401K Retirement Plan with Employer Match
• Paid Parental Leave
• Life and Disability Insurance
• Generous PTO and Holiday pay

If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at

Equal Opportunity Employer