Business Ag Banker

Who are we?

Frandsen Bank & Trust is a growing, financially strong, family-owned community bank across nearly 40 communities in Minnesota, North Dakota, South Dakota, and Wisconsin. We provide full-service banking, treasury management, investment, and trust solutions. Since day one, our mission has centered on making decisions locally, empowering employees, and supporting our communities. This commitment to relationship-based service has earned us recognition as Best in Banks by our customers.

Why work here?

Leadership recognizes our people are the reason we succeed. That’s why developing and rewarding our employees is a longstanding part of our guiding principles, called the Frandsen Way. The impact is clear: Employees ranked Frandsen Bank & Trust a Top Workplace on the independent Star Tribune survey for nine consecutive years, and we currently hold the #2 spot in the large company category.

At Frandsen, you can expect stability and meaningful career opportunities across all our departments. Our collaborative culture means employees support one another and make it easy to get things done. Whether you’re experienced in banking or exploring a new career path, there’s a place for you. Join our team and build a career rooted in service, growth, and local impact.

Position Summary

Frandsen Bank & Trust is seeking a Business Banker for our Vadnais Heights location. This position is responsible for supporting a dynamic lending team for prospecting and developing new client relationships, managing existing client relationships, and use consultative interactions with clients and prospects to identify cross-selling opportunities with our wide range of financial services. The ideal candidate will also be willing to support community efforts.

Job Duties

• Actively develops new and existing business relationships through key contacts within the local community to market the bank's services with emphasis on commercial lending and other areas as designated.
• Analyzes individual loan and financial documents to determine customers' cash flow, ability to pay the loan, profit potential of the loan.
• Meet and interview applicants to determine creditworthiness, deny or grant each loan, secure required signatures, explain procedures or reasons for denial and present possible alternatives to those denied to maintain a favorable bank image.
• Monitor and collect past due loans in a manner which will minimize the bank's loan losses while providing flexibility to customers and documentation of exceptions.
• Monitor the existing loan portfolio through annual credit reviews, financial statements, receivable agings and on-site visits in order to provide recommendations for granting or renegotiating loans in a manner that minimizes loan losses.
• Helps ensure that all legal, compliance and CRA requirements are met by cooperating with Loan Review and compliance audits.
• Works closely with other areas of the bank to sell ancillary products to commercial clients. This includes, but is not limited to, Treasury Management, Wealth Management, Frandsen Investment Services, and Retail Banking.
• Actively participates in community service organizations, as assigned.

Education and Experience

• Bachelor’s degree in business, finance or related field or equivalent years in banking industry experience.
• 5-10 years experience, preferably in a financial institution.

Required Skills

• Must have strong credit analysis and underwriting skills.
• Ability to read, analyze, and interpret financial and supporting statements.
• Ability to write reports, business correspondence and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportion, percentages, area, circumference, and volume. 
• Ability to apply concepts of basic algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Ability to analyze financial statements and tax returns of businesses and individuals and draw conclusions on the creditworthiness of the applicant.
• Experience with Microsoft's Windows Office Suite.

Preferred Skills

• Familiarity with SBA programs.