Business Banker

The following full-time opportunity is now available.

Location: Owatonna, MN

Develop and monitor Loan Clients which meet our lending guidelines, and provide a fair rate of return, while minimizing the risk to the Bank. Additionally, the Lender will serve the customer by analyzing the potential of the client and justifying the risk associated with each credit.

Responsibilities Include:

  • Recommend United Prairie Bank products or services when it would serve a customer’s financial need.
  • Actively solicit and develop new business and manage existing relationships according to individual goals for loan growth and fee income while meeting Bank wide goals established by the Executive Management Team.
  • Solicit and Interview loan clients and review loan applications for credit worthiness.
  • Maintain tickler system for all loan files, including updating customer financials.
  • Prepare and analyze financial statements and spreads, including adequacy of income and sufficiency of collateral and prepare presentation for loan committee when necessary.
  • Make on-site visits to client’s operations to analyze the management of the business for potential credit risk as well as promoting the Bank and its products.
  • Collect and update customer financial statements and income tax returns.
  • Complete lien wavers when required.
  • Update UCC and insurance information when necessary.
  • Responsible for maintaining customer loan files according to UP policies and procedures.
  • Monitor loan performance, loan agreements, financial statements and collateral to ensure the quality of the loan.
  • Apply collection practices to minimize risk as appropriate.
  • Manage loan portfolio including customer inquiries, collections, and file maintenance.
  • Review customer requests and make decisions accordingly.
  • Required to comply with the SAFE Act requirements; including successful initial and ongoing registration in the Registry if you are licensed MLO.
  • Grow the deposit products segment.
  • Provide referrals to the Insurance and Financial Investment business units.
    Lending authority granted by the Chief Credit Officer.
  • Represent United Prairie in your community through civic activity, service organizations and/or professional associations. 

Minimum Qualifications:

  • Four (4) year College degree in Finance, Accounting or Business Management or equivalent experience (Preferred)
  • Demonstrated experience in successful loan portfolio management or other related credit or finance discipline. (Preferred)
  • Thorough understanding of accounting practices and the ability to read financial statements and understand complex financial measures such as cash flow and other financial ratios.
  • Occasional day travel may be required for training/meeting purposes.

About Our Company:

Founded in 1973, United Prairie Bank has 12 branch locations through-out Minnesota. Along with banks, United Prairie also offers insurance and financial planning for its customers. United Prairie Banks typically carries strong overall safety and soundness ratings available from banking regulatory agencies. United Prairie has a centralized administrative support office in Mankato, MN. Centralized support provides specialized support in administration, credit, operations, compliance, investments, marketing and technology. United Prairie offers the below benefits to qualified employees:

  • Health, Dental, Vision insurance & Flexible Benefits
  • Nine paid holidays
  • PTO (paid time off)
  • 401(k) plan with employer match
  • Life insurance

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.

Applicant can apply by emailing an introductory letter and resume to: United Prairie Bank, Human Resources -

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.