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"I like working for American Bank because they invest in their employees and genuinely care about the communities they serve. As a local resident and an avid volunteer it is heartwarming to know that my employer cares as deeply as I do. Our employees take pride in the organizations they are a part of and American Bank is with us actively donating and creating volunteer opportunities."

Katie DiIorio

Loan Administration Servicer

Careers

Opportunity is What American Bank of the North is All About.


The quality of our employees and their dedication to service is what separates us from other banks of any size. We strive to attract and retain exceptional employees who share our commitment to superior customer service, continued growth, and organizational success.

We are always on the lookout for talented people to help us become the best. If you've looked at our What We Believe page and believe in our mission, and if you think you have what it takes to join the American Bank team, we'd love to hear from you.

Take a look at the opportunities below. You can contact us or download our employment application to get started.

Employment Application


Self ID - Protected Veteran Status (pre-offer)


Voluntary Self-Identification of Disability Form



Please email or mail all applications to:


Human Resource Officer

American Bank of the North

PO BOX 377

572 5th Ave

Calumet, MN 55716


Email: HR@ambnk.com


CURRENT POSITIONS AVAILABLE

Job Title: FT Credit Analyst, non-exempt

Report to Work Date: ASAP

Hours: 8:00 – 5:00 Monday – Friday

Location: To Be Determined

PRIMARY JOB PURPOSE:

Underwrite credit requests for new Commercial clients and review current credit limits and financial performance of existing Commercial customers. This person will have direct contact with internal and external bank customers.

MAJOR AND ESSENTIAL JOB RESPONSIBILITIES:

  • Manage and develop customer relationships with assigned portfolios while providing routine monitoring of their financial performance to plan expectations. Notify management of any significant deterioration in customer credit profile.
  • Conduct periodic financial statement analysis and performance reviews of commercial customers, including spreading financial statements, assigning a credit risk rating, and documenting the analysis for presenting to credit committee.
  • Provide routine surveillance of existing accounts including compliance with loan agreement covenants, borrowing base certificates, maintenance of collateral coverage, and conduct lien searches.
  • Propose and discuss adequate risk mitigation solutions with management to reduce, transfer, or cover credit risk.
  • Actively partner with other bank personnel in determining solutions that meet customer needs. Provide support and assistance of other credit colleagues when needed.
  • Monitor daily exposures vs. credit limits, as well as the timely receipt of financial information, interim and annual financial statements, borrowing base certificates, covenant compliance certificates, A/R aging reports, inventory reports, etc.
  • Maintain accurate and current customer credit files (soft and hard copies).
  • Actively participate in projects that may arise with the Credit Administration or American Bank.
  • Other duties as assigned.

JOB SPECIFICATIONS:

Work Direction:

Works with loan officers in setting upcoming loan reviews and Credit Officer in scheduling department wide objectives. Requires minimal daily supervision and strong independent judgment. along with excellent time management skills.

Accountability:

Loan officers or Senior Credit Analyst reviews work upon completion of loan or project assignment. Errors in analysis or with supporting work papers can result in significant losses to the bank.

Work Relationships:

Must have strong written and oral communication skills and be comfortable working with senior management team. Have the ability to establish a rapport with external customers and internal business partners with minimal supervision. Personal and telephone contacts, both internal and external, occur daily with confidential and sensitive data discussed.

JOB QUALIFICATIONS:

Education:

Minimum Bachelors Degree in Accounting, Business, Economics, or Finance.

Experience:

Two or more years experience in Commercial credit analysis preferred. Strong understanding of financial statement analysis and familiarity with contracts and credit documentation. Proficient computer skills with a good working knowledge of Microsoft Word/Excel/Power Point/Outlook.

This description is not designed to cover or contain a comprehensive list of activities, duties or responsibilities that are required of the employee. Other duties may be assigned as necessary.

Job Title: PT Floating Teller, non-exempt

Report to Work Date: ASAP

Hours: varies 8:00 – 7:00 Monday – Friday, 8:00 – noon or 9:30 – 3:00 rotating Saturday schedule

Location: Hibbing Downtown, WalMart or Chisholm offices

PRIMARY JOB PURPOSE:

As a member of the front line staff, the teller will be expected to have adequate banking knowledge to answer basic questions for customers, direct customers to appropriate bank personnel when necessary, and accurately complete banking transactions and balancing procedures.

This person will work at all the offices in the Central Region, including Hibbing downtown, Walmart and/or Chisholm. Mileage is not paid to floating tellers when working at other office in the Region.

MAJOR AND ESSENTIAL JOB RESPONSIBILITIES:

  • Handles customer account transactions which may include verifying incoming cash, accurately dispersing cash, accepting various deposits and payments, and cashing checks.
  • Verifying account balances, giving out account information to customer, and printing copies of items and/or statements from customer accounts.
  • Selling Cashier's Checks/Money Orders/Travel Cards to customers as requested.
  • Completing cash advance transactions, accepting credit card payments, and exchanging foreign cash.
  • Answer phones and/or complete telephone transfers when customer service is not available.
  • Various other duties as determined by specific branch. May include, but not limited to: operating coin counter and wrapper, branch capture and helping with customer service duties, etc.
  • Responsible to become knowledgeable about and adhere to all relevant compliance regulations (as it affects your department).

JOB SPECIFICATIONS:

Work Direction:

The person in this position receives daily work assignments from the Regional

Head Teller. Most duties are completed by following established steps and procedures explained in detail in the Teller Manual. This person will need to be capable of exercising independent decisions when determining whether or not to cash a check, give cash back on deposits, and waiving fees to maintain positive customer relations.

Work Relationships:

This position has daily interaction with both customers and fellow employees via phone, e-mail, and face-to face contact.

JOB QUALIFICATIONS

Education:

A high school diploma or equivalent.

Experience:

Basic math skills and/or knowledge of accounting principles is required. Must have basic knowledge of computers and standard office equipment.

Physical, Mental, or Other:

Must be able to meet daily deadline of balancing within a 15 minute window of time. Must be extremely accurate. Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.

May be asked to lift coin bags and boxes up to 25 pounds on a regular basis. May be exposed to noise of coin machine and wrapper on an ongoing basis along with exhaust from the drive-up. Incumbent does stand for most of the day while conducting their job duties. Despite ongoing security training, there is always the possibility of a bank robbery.

Job Title: FT Mortgage Loan Originator, non-exempt

Report to Work Date: ASAP

Hours: varies Monday – Friday as needed

Location: East Region

PRIMARY JOB PURPOSE:

The Mortgage Loan Originator (MLO) proactively solicits new residential mortgage and sells American Bank mortgage products to meet established loan quality and production goals. Responsible for originating retail mortgage loans. May sell direct to customers or solicit customers indirectly through third parties such as builder or realtors.

MAJOR AND ESSENTIAL JOB RESPONSIBILITIES:

  • Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending operations.
  • Compiles and analyzes data for residential real estate loan requests.
  • Outlines loan terms and conditions, and informs the borrowers of loan commitments.
  • Screens loan requests based on financial institution policies and on types of loans offered by the institution.
  • Orders credit reports, background checks, reference checks and other information as needed on residential loan applicants.
  • Prepares residential loan packages, in accordance with financial institution standards.
  • Makes suggestions to Manager to update or add to residential loan terms and conditions on a case-by-case basis.
  • Provides reports on the status of financial institution residential loans and residential loan marketing strategies, based on current and past workloads.
  • Handles inquires from applicants and branch personnel. Resolves customer complaints.

JOB SPECIFICATIONS:

Work Direction:

This position reports to the Senior Vice President who provides incumbent with guidance on complex loans. Established loan policies are also used for reference. However, most of the work is done independently where incumbent is responsible for evaluating credit worthiness, setting loan rates, deciding on amount of collateral required, approving and denying various loan requests, and making general office decisions on a daily basis. All applicants will be required to register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

Accountability:

Poor loan decisions or error in judgment and the failure to follow-up on past due loans would result in a monetary loss to the bank. Poorly documented loans or underwriting that is not very detailed also presents the bank with credit risk.

This position has access to and knowledge of the financial situation of bank loan customers. The utmost discretion and confidentiality must be exercised with all data.

Work Relationships:

This position has daily contact with customers regarding loan requests via the phone, in person, or by mail. Incumbent also interfaces with staff involved with loan related items on a daily basis and regularly interfaces with the community in a public relations role for the bank. Must be able to communicate in a clear, concise and pleasant manner.

JOB QUALIFICATIONS:

Education:

Bachelor's degree in business or finance preferred.

Experience:

One to two years of experience in a financial institution or loan office setting.

Extensive knowledge of financial institution policies and procedures.

Excellent communication skills; both oral and written and be self-motivated with the ability to work independently.

Must have an overall understanding of the additional bank products to enhance cross selling ability and possess basic computer skills with knowledge of Word, Excel and Outlook.

Other:

When loan volume is high, some nights and weekend work is necessary.

Job Title: PT Floating Teller, non-exempt

Report to Work Date: ASAP

Hours: varies 8:00 -7:00 Monday – Friday, rotating Saturday schedule 8:00 – 12:00 or 9:30 – 3:00

Location: West Region (Grand Rapids North, Grand Rapids South, Grand Rapids Super One, Calumet, Nashwauk)

PRIMARY JOB PURPOSE:

As a member of the front line staff, the teller will be expected to have adequate banking knowledge to answer basic questions for customers, direct customers to appropriate bank personnel when necessary, and accurately complete banking transactions and balancing procedures.

MAJOR AND ESSENTIAL JOB RESPONSIBILITIES:

  • Handles customer account transactions which may include verifying incoming cash, accurately dispersing cash, accepting various deposits and payments, and cashing checks.
  • Verifying account balances, giving out account information to customer, and printing copies of items and/or statements from customer accounts.
  • Selling Cashier's Checks/Money Orders/Travel Cards to customers as requested.
  • Completing cash advance transactions, accepting credit card payments, and exchanging foreign cash.
  • Answer phones and/or complete telephone transfers when customer service is not available.
  • Various other duties as determined by specific branch. May include, but not limited to: operating coin counter and wrapper, branch capture, helping with customer service duties, etc.
  • Responsible to become knowledgeable about and adhere to all relevant compliance regulations (as it affects your department).

JOB SPECIFICATIONS:

Work Direction:

The person in this position receives daily work assignments from the Regional Head Teller. Most duties are completed by following established steps and procedures explained in detail in the Teller Manual. This person will need to be capable of exercising independent decisions when determining whether or not to cash a check, give cash back on deposits, and waiving fees to maintain positive customer relations.

JOB QUALIFICATIONS

Education:

A high school diploma or equivalent.

Experience:

Basic math skills and/or knowledge of accounting principles is required. Must have basic knowledge of computers and standard office equipment.

Physical, Mental, or Other:

Must be able to meet daily deadline of balancing within a 15 minute window of time. Must be extremely accurate. Will need to be able to handle stressful situations and function in a very fast-paced environment while remaining calm and precise. Must have excellent interpersonal and organizational skills and enjoy working with the public. Will need to communicate in a clear, concise, and pleasant manner.

May be asked to lift coin bags and boxes up to 25 pounds on a regular basis. May be exposed to noise of coin machine and wrapper on an ongoing basis along with exhaust from the drive-up. Incumbent does stand for most of the day while conducting their job duties. Despite ongoing security training, there is always the possibility of a bank robbery.



We are an equal opportunity employer.