Employment Opportunities

Senior Credit Officer/Credit Administrator: Twin Falls -Pole Line Office

Full-Time Position 

Overview

We are seeking a motivated and detail-oriented Senior Credit Officer/Credit Administrator responsible for providing support and direction to loan officers. In this role, you will be accountable for the accurate reporting of credit risks and allowance needs to the Senior Loan Committee and the Bank's Board of Directors. This role is also responsible for the administration of the Bank's problem loans. Your expertise will ensure that the credit policy and procedures of the Bank are adhered to in an effort to protect the Bank from unforeseen risks. This position offers an opportunity to leverage your analytical skills, industry knowledge, and leadership abilities to make impactful decisions that drive our organization forward.

Responsibilities

• Chairman of the Bank's Senior Loan Committee.
• Directs all activities associated with the Bank’s participation loan portfolio to ensure that loans are granted, reviewed and maintained in accordance with Bank’s policy.
• Responsible for the support and direction of the classified/criticized loans.
• Prepare and review the Allowance for Loan and Lease Loss Reserve in accordance with FASB rules and make recommendations to the Board of Directors for quarterly allocations as needed.
• Review loans granted for credit risks and adherence to the Bank’s policy and procedure. Ensure that the credit risk has been minimized to the Bank in compliance with rules, regulations and safety & soundness standards.
• Prepare and discuss all loan related reports to the Board of Directors. Reports including, but not limited to, concentration of credit, exceptions, OREO, participation, ALLL, TDR and classified credits.
• Responsible for administering, oversight, and direction of the Bank’s loan portfolio and lending staff. Provide support and guidance to lending staff as needed.
• Administer credit staff employee evaluations. Branch Managers will be evaluated by SCO and President. Credit Officers will be evaluated by SCO and Branch Manager.
• Develop, maintain, and train all credit staff on stress testing criteria as needed.
• Recognize and assist in the solution to complex collection problems as needed.
• Consult with Bank legal counsel regarding credit issues and collection efforts as needed.
• Responsible for implementing credit procedures to ensure proper internal controls are in place to minimize credit risks. Direct all related training on loan policy, procedures, and regulations.
• Review and maintain Bank loan policy and offer suggestions to Senior Loan Committee for enhancements to loan policy, corrections of procedures, and regulatory guidance and updates.
• Participate in long-range planning.
• Serves on a number of committees to ensure effective interface among all Bank departments and offices with complete communication of overall policies, programs, projects, objectives and goals.
• Performs related duties as assigned.

 Requirements

• Proven experience in commercial, agricultural, and consumer lending analysis, credit analysis, or related financial services roles with a strong understanding of financial concepts and industry regulations.
• Demonstrated expertise in financial statement interpretation, cash flow analysis, and quantitative research methods.
• Proficiency in financial software tools, Excel data analysis, and financial modeling techniques essential for risk assessment.
• Solid knowledge of banking operations, loan processing procedures, and mortgage servicing practices.
• Strong communication and organizational skills coupled with excellent written communication for financial report writing and documentation.
• Ability to interpret complex financial data accurately while adhering to compliance standards related to loan regulations and fraud prevention.
• Accounting or finance degree; professional certifications such as CFA or CPA are advantageous.

Pay

• Starting at $90,000 

Commercial/Ag Loan Officer: Twin Falls -Shoshone St. Office

Full-Time Position 

The Commercial Loan Officer is responsible for developing and managing commercial lending relationships within the Farmers Bank service area. The Officer is responsible for conducting risk analyses to determine that loans are both profitable for the bank and financially beneficial to its customers.

Major Duties & Responsibilites:

• Interview loan applicants and analyze financial data
• Understand loan products and terms and make appropriate recommendations
• Monitor loan portfolio performance
• Provide general financial and banking advice
• Develop and maintain business relationships
• Remain informed on all bank policies and applicable lending laws

Knowledge, Skills, Abilities, and Qualifications:

• Communicate in a clear and courteous manner. Demonstrate the ability to plan for daily department demands. Possess general computer skills and understanding of spreadsheet and word processing software. Complete daily responsibilities in a timely and accurate manner.
• Bachelor degree in business administration, finance, agricultural economics, or three years of related business experience required.

Job Type: Full-time

Pay: $5,000.00 - $8,000.00 per month

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee discount
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Compensation Package:

• Bonus opportunities

Work Location: In person

Part-Time Teller: Wendell Office

Part-Time Position

• Represent the bank to the customer in a courteous and professional manner while providing prompt, efficient, and accurate service.
  
• Perform related duties as assigned.

Loan Officer Apprentice

Position Overview

The Loan Officer Apprentice is a structured training position designed to develop the competencies required for a Commercial Loan Officer role through a combination of on-the-job learning and related instruction. Under the direction of the Senior Credit Officer and Branch Manager, the apprentice works alongside experienced commercial loan officers to build proficiency in all areas of lending, credit analysis, and customer relationship management. This position follows a defined training progression with increasing responsibility as competencies are achieved.

Major Duties & Responsibilities 

• Participate in a structured, work-based learning program designed to build competencies in commercial lending and credit analysis.
• Under the direction of the Branch Manager and in coordination with assigned commercial loan officers, interview loan applicants, review customer financial information, evaluate bank card applications, and assist in determining credit eligibility.
• Develop a working knowledge of bank loan policies, collection procedures, and regulatory compliance requirements.
• Assist with the development of new business by contacting potential credit applicants and supporting relationship-building with existing bank customers.
• Engage in progressive skill development through mentorship, job shadowing, and increasingly complex lending responsibilities.
• Participate in cross-training opportunities and special projects to gain a comprehensive understanding of overall bank operations.
• Maintain knowledge of all bank services and products to support cross-selling efforts.
• Complete required training benchmarks and demonstrate competency attainment as part of the apprenticeship progression.
• Perform related duties as assigned. 

Apprenticeship Structure

• This position is part of a formal apprenticeship program that includes:
• Structured on-the-job training
• Mentorship by experienced loan officers
• Progressive wage or responsibility increases based on skill attainment
• Related instruction (as applicable)
  

Knowledge, Skills and Qualifications

• Ability to communicate clearly and professionally with customers and stakeholders.
• Strong organizational skills with the ability to manage daily responsibilities and training requirements.
• Basic proficiency in computer applications, including spreadsheet and word processing software.
• Ability to complete work accurately and within established timelines while progressing through training milestones.
• Bachelor’s degree in business administration, finance, agricultural economics, or a related field OR three years of related business experience required.
• Demonstrated willingness to learn and successfully complete a structured apprenticeship training program.