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INB Careers

INB takes pride in offering a promising career path for all employees while providing a fulfilling and engaging internal culture. Based on performance, it is typical to find staff that have progressed from the teller line to the ranks of bank officer or management. INB staff members are committed to helping each other succeed and work together to reinforce our core values as a bank.

Employee Benefits

  • Competitive pay
  • Medical, dental and vision insurance
  • Employer-paid life, AD&D, and disability insurance
  • Paid vacation, holidays, and PTO
  • Employee assistance program (EAP)
  • 401(k) plan with employer match
  • Flexible spending plans
  • Tuition reimbursement
  • Training programs
  • Fitness club discount
  • Discounts on select INB products/services
  • Paid sick leave

Current Openings

Hayden Branch Manager

Hayden | FULL TIME EXEMPT

This position is responsible for the administration and efficient daily operation of a full service branch office (this can include more than one location), including product sales, lending, operations and security in accordance with the Bank’s objectives.

Position Summary:

Develops new deposit and loan business; provides a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation. This position will achieve branch sales goals through new business sales, referrals and retention of account relationships.

Duties:

Attain Bank and branch annual goals through active participation in sales management and proactive calling on area businesses to create sales opportunities among existing and prospective business customers.

Participates in community affairs to increase the Bank’s visibility and to enhance new and existing business opportunities.

Continuous pipeline management of a viable business list of new and existing customers. This will include identifying potential customers and the decision makers within each organization.

Works with various bank departments, including mortgage, commercial lending and outside investment company for referrals and joint calls.

Maintains extensive knowledge of current market conditions.

Maintains proficient knowledge of all of the bank’s products and services, including the electronic services of the bank so that they can present solutions and services that meet or predict the customers’ current and future financial needs.

Provides leadership and supervision; delegates day to day operations to the Assistant Branch Manager (or other branch personnel as needed).
Provides loan services to consumers and business customers, to include quoting rates, terms, and programs, and processing loan requests in accordance with bank policies and procedures.

Manages and mitigates operational risks by following established policies and procedures and making sound business decisions.
Makes effective hiring decisions for the branch.

Completes timely employee performance reviews and/or assists Assistant Branch Manager in this process.

Be available to employees after hours and on weekends if necessary.

Conduct monthly employee meetings to include product training, sales coaching, compliance training, security training and communicate branch and bank strategies/changes to the employees. 

Work with Chief Retail Banking Officer on an annual branch budget, including growth and income goals, employee salary changes and any facility improvements needed in the fiscal year.

Counsel, coach, mentor and train branch employees as needed.

Address and resolve any customer issues that arise that require the direction of a Branch Manager. 

Perform other duties as assigned.

Minimum Qualifications:

High school diploma or general education degree (GED) plus a minimum of five years of retail banking experience; or equivalent combination of education and experience. Training and experience in retail sales and basic marketing. Previous experience in leading a sales team in a retail or financial environment. Proficient knowledge of banking products and services.

Other preferred (not required) qualifications: Previous management experience in a banking environment. Community banking experience. Prior business development experience. Knowledge of retail banking operations and regulations. Knowledge of consumer lending with experience initiating consumer loans. Familiarity with commercial lending, credit analysis and monitoring requirements.

Full Description

Mortgage Loan Processor/Closer

Downtown | 40.00 Hours/Week

This position supports Management and the Mortgage Loan Originators by processing and closing real-estate loans in accordance with the secondary market and the bank’s guidelines. This is a highly skilled position requiring an in-depth knowledge of conventional, FHA and VA lending, as well as knowledge of FNMA and Freddie Mac guidelines.

ESSENTIAL FUNCTIONS

Document loans to meet the appropriate guidelines. Order loan related documents such a title reports, appraisals, social security and tax verifications, etc.

Verify investor guidelines/overlays.

Submit a complete and accurate loan file to the underwriter for approval with limited conditions.

Prepare loan documents.

Order closing fees and balance with closing agents.

Hand off accurate file to funder. 

Assist with clearing post-closing conditions.

Maintain current knowledge of federal/state regulations governing granting of credit.

Learn and understand all INB loan policies and products for cross-selling.

Answer complex questions involving the processing and closing of real-estate loans.

Maintain a secure environment to protect confidentiality.

Have a strong work ethic.

Must meet all compliance requirements.

Perform other duties as assigned.

Job Qualifications:

High school diploma or general education degree (GED) plus 3 years or more experience in the mortgage industry.

Full Description

Senior Mortgage Underwriter

Downtown | EXEMPT 40 HOURS/WEEK

The Mortgage Underwriter is responsible for consistently underwriting safe and sound mortgage loans that are in compliance with the Bank’s and its investors underwriting standards and all applicable state and federal laws, rules and regulations.

The position ensures the needs of a borrower are met by underwriting the appropriate type of loan which matches long term objectives; maintains compliance with FHLMC/FHA/VA/FNMA/USDA guidelines; accurately assesses the potential risk of loan applicants; ensures all mortgage applications are complete, accurate, appropriately documented, and fall within applicable Bank policies and procedures; and attains proper approvals.  Provides a high level of service to customers, operations and mortgage loan officers, thereby ensuring mortgage loans are underwritten in a competitive and expedient manner.

SPECIFIC DUTIES:

Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.

Establishes and maintains a close working relationship with operations, mortgage loan officers, title companies, contractors, builders, appraisers, real estate agents and other real estate industry professionals; works with sales, operations and other Bank personnel to create solutions for problems that arise during the transaction.

Underwrites safe and sound mortgage loans in an expedient manner through a review process of analyzing and evaluating income, assets, liabilities, and property; carefully assesses and evaluates the risk of financing requests within the framework of the Bank’s credit culture and current economic and industry trends; maintains compliance with FHLMC/FHA/VA/FNMA/USDA guidelines; reviews self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income; ensures loans are in compliance with the Bank’s underwriting standards and acceptable to FHA, VA and all GSE agencies.

Review Appraisals to ensure that the required level of appraisal fieldwork has been completed, that they are of professional quality and are prepared in a way that is consistent with requirements.

Reviews and corrects potential problems during the mortgage loan approval process, such as issues related to credit history, nonconforming appraisals, policy exceptions, etc.

Develops and maintains an advanced knowledge of financial industry, economy, market conditions, rates, vendors and competition; remains informed of trends and developments in local market and changes to regulations governing private and government issued mortgages; assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting.

Authorizes and provides verbal and written letters of commitment for each loan decision detailing required documentation, loan interest rate, as well as the fees and mortgage amount approved.

Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.

Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

Have a thorough knowledge of conventional, FHA, VA, USDA, construction and bond programs.

Ability to approve builder, borrower and project for residential construction financing.

Assist with projects relating to existing lending programs and new lending initiatives as directed.

Learn and understand all INB loan policies and products for cross-selling.

Answer complex questions involving the Underwriting and structuring of real-estate loans.

Maintain a secure environment to protect confidentiality.

Other duties as assigned.

MINIMUM JOB REQUIREMENTS:

FHA DE certification and VA LAPP certification required.  High school diploma or general education degree (GED) plus a minimum of 7 to 10 years of experience underwriting conventional, FHA, VA and USDA loans in a bank or financial institution. The Senior Underwriter must have government certifications along with a working knowledge of the home loan process and investors.

JOB QUALIFICATIONS - PREFERRED:  

Real Estate Appraisal Certificate preferred but not required.

Full Description

Personal Banker

Airway Heights | 38.00 hours/week

Personal Bankers (PBs) are responsible for offering and selling financial products and services to both consumer and business customers.

Objective:

This position routinely works with customers and business clients to build and deepen relationships by discovering financial needs and recommending the best products, services and solutions to meet those needs. Proactively meets with customers, in person and over the phone, to discover their financial needs and provide product and service recommendations. This position requires a thorough knowledge of the Bank’s products and services and strong sales skills.

Duties:

Meet and exceed consumer and business client goals as directed by the Branch Manager and the Assistant Branch Manager.

Open deposit accounts and sell financial products (i.e. credit cards, CDs, IRAs, loans).

Identify opportunities to refer customers to other INB departments and specialists.

Proactively mitigate risk in every business, product, and service transaction.

Provide loan services to consumers and business customers, to include quoting rates, terms, and programs, and processing loan requests in accordance with bank policies and procedures.

Make outbound phone calls to customers. May also make outside sales calls, as requested by the Branch Manager or Assistant Branch Manager.

Attend outside business events to market the bank and increase networking.

Assist branch management in coaching and motivating employees to attain the growth goals of the branch.

Respond to customer inquiries regarding the operation of accounts and access to services.

Maintain NMLS registration as required by law, including initial registration, periodic renewal, and education requirements.

Perform Teller duties as needed. (See Teller job description)

Performs other duties as assigned

Minimum Qualifications:

High school diploma or general education degree (GED) plus two to three years of cash handling and customer service experience in a retail, financial, or related environment; or equivalent combination of education and experience.  Able to write professional business correspondence, and to effectively communicate information to, and respond to questions from, co-workers and customers.  Basic computer skills, including experience with Excel and Word.  Able to process transactions accurately.  A cooperative, positive, professional attitude toward customers, potential customers, and co-workers.  Excellent interpersonal skills.

Other Preferred (Not Required) Qualifications:

Community bank experience, 1-2 years Teller or new accounts experience.  Understanding and ability to cross sell banking products.

Hours:

Airway Heights: Monday – Thursday  9:00 a.m. – 5:30 p.m.; Friday 9:15 a.m. – 6:15 p.m.

Full Description

Mortgage Loan Officer

Coeur d’Alene | Exempt

This position is responsible for originating mortgage, real estate, and construction loans. In addition, this position promotes the Bank and its mortgage lending services and products to the community, and is also responsible for identifying and serving the community’s financial needs through home loan counseling, real estate agent contact, seminars and participating in community activities.

ESSENTIAL FUNCTIONS

Solicit first mortgage loans; assist prospective loan clients with loan application, pre-processing procedures, documents, and explain applicable government regulations.

Complete all loan pre-processing documentation required in a timely manner. Send necessary disclosures within the required period.

Follow up with Mortgage Loan Processors to ensure appraisals, credit reports, background checks, reference checks and other required information and documentation is being received.

Ensure compliance with lending regulations and legislation is followed.

Communicate with customers, clients, vendors, mortgage loan department and loan servicing staff to ensure each loan is completed appropriately.

Distribute Bank and general mortgage loan information to real estate professionals.

Actively participate in community activities to maintain relationships with local builders, real estate brokers and agents, customers and prospects. 

Maintain NMLS registration as required by law, including initial registration, periodic renewal, and education requirements.

Performs other duties as assigned.

LEAD / SUPERVISORY DUTIES:

This position does not directly supervise other employees.

JOB QUALIFICATIONS:

Education and/or Experience:  Two or more years mortgage, real estate, and/or construction lending experience.  Thorough understanding of mortgage loan documentation, regulations, and policies. Exceptional interpersonal and sales skills.

Language Skills: Able to read, write legibly, and speak and understand spoken English. Able to write professional business correspondence, and to effectively communicate information to, and respond to questions from, co-workers and customers.

Reasoning Ability:  Able to independently define problems, collect data, establish facts, and draw valid conclusions. Able to prioritize work projects to meet deadlines. 

Computer Skills:  Working knowledge of word processing software and Excel spreadsheets. 

Other preferred (not required) qualifications: Bachelor’s degree in accounting, finance, or other related field.  Community banking experience.  Formal sales and marketing training.

Full Description

Commercial Banker

Downtown | Exempt

Develop mutually profitable relationships with commercial customers through ensuring an acceptable level of risk, service to existing customers, on-going evaluation of credits and account relationships, and acquiring new customers by direct prospecting and referral, credit analysis, negotiation of new commercial credits, and helping INB develop its commercial banking services. Lending authority, loan complexity and loan portfolio size will be dependent upon experience.

POSITION SUMMARY:  

Develop mutually profitable relationships with commercial customers through ensuring an acceptable level of risk, service to existing customers, on-going evaluation of credits and account relationships, and acquiring new customers by direct prospecting and referral, credit analysis, negotiation of new commercial credits, and helping INB develop its commercial banking services.  Lending authority, loan complexity and loan portfolio size will be dependent upon experience.

ESSENTIAL FUNCTIONS:

New Business Development

Develop knowledge of prospective commercial customers in the area for planning marketing calls.

Make targeted sales calls, learn business needs, present INB products, and solicit new and expanded relationships.  Business development should be focused around new loans, deposits, and fees.

Analyze loan requests according to credit analysis standards, set terms and approve loans within authorized limits.

Make presentations to Chief Credit Officer and/or loan committee on recommended loans.

Promote the Bank by participating in civic and community activities.

Service Current Credit Portfolio

Actively monitor customer credits to ensure loan policies and specific conditions are met.

Call on existing customers, uncover new and existing needs to cross-sell as many products and services as appropriate so that a true “relationship” can be built.

Analyze customer loan requests according to credit analysis standards, set terms and approve loans within authorized limits.

Make presentations to Chief Credit Officer and/or loan committee on recommended loans.

Protect Bank assets at all times through effective internal and external communications with customers and staff members.

Special projects and other duties as assigned by management.

JOB QUALIFICATIONS:

Bachelor’s degree, plus a minimum of 2 years of banking experience; or equivalent combination of education and experience.  Working knowledge of analyzing business and personal financial statements, credit worthiness, and basic knowledge of sources of repayment as gained by banking or business lending experience and formal training in commercial credits. Proficient knowledge of banking products and services.  Skill in customer service, business relationship marketing and prospecting, and sales of financial services.

Full Description

Teller

Downtown | 38.25 hours/week
Coeur d’Alene | 35 hours/week
Coeur d’Alene | 20.00 hours/week

Processes a wide variety of transactions under supervision, and in accordance with existing procedures and systems.

Cross sells and opens the Bank’s deposit, loan and electronic products and services with an emphasis on providing excellent customer service. Employee will contribute to the success of the branch by active participation in branch sales activities. Work involves constant and direct interaction with bank customers and potential customers and requires the ability to accurately record information and communicate effectively. Work may be performed on the teller platform or at a drive-thru window.

Essential Functions:

Provide the following services for customers, in person, by telephone or by mail:

Process deposits and loan payments to customer accounts

Disburse cash or check withdrawals

Provide cashiers checks and/or money orders

Exchange Canadian currency at current rate of exchange

Perform account transfers both in-person and over the phone

Take Visa payments and disburse cash advances

Assist customers accessing safe deposit boxes

Operate Teller terminal and accurately record amounts received and disbursed

Daily open and close Teller terminal, account for cash assigned, received, disbursed. Accurately balance to Teller terminal close report and remit daily work.

Assist in opening and closing procedures of the branch.

Proactively seek to deepen customer relationships by cross selling Bank products and services.

Open new consumer and business accounts as needed.

Process non-real estate loan applications (i.e. term loans, lines of credit, credit cards).

Make outbound customer service phone calls as directed.

Adhere to Bank’s policies and procedures at all times.

Proactively seek to mitigate risk in every transaction.

Respond to customer inquiries.

Process account maintenance.

Maintain flexibility in order to work a schedule that can vary depending upon the needs of the branch.

Perform other duties as assigned, including but not limited to: check encoding, ATM machine balancing, address changes, filing, answering telephone, processing mail and assisting employees in other departments as required.

Preferred Job Qualifications:

6-12 months cash handling and customer service experience.

Hours:

Downtown : Monday – Friday, Rotating schedule: four weeks opening 8:30am - 5:15 pm, followed by two weeks closing 9:30am - 6:15pm

Coeur d'Alene 1 : Monday - Friday; 10:30 am – 6:00pm.

Coeur d'Alene 2 : Monday - Friday; 2:00 pm – 6:00pm

Full Description

Float Teller

Downtown | 40.00 hours/week
Coeur d’Alene | 40.00 hours/week

Processes a wide variety of transactions under supervision, and in accordance with existing procedures and systems. Cross sells and opens the Bank’s deposit, loan and electronic products and services with an emphasis on providing excellent customer service.

Employee will contribute to the success of the branch by active participation in branch sales activities. Work involves constant and direct interaction with bank customers and potential customers and requires the ability to accurately record information and communicate effectively. Work may be performed on the teller platform or at a drive-thru window.

ESSENTIAL FUNCTIONS

Provide the following services for customers, in person, by telephone or by mail:

Process deposits and loan payments to customer accounts

Disburse cash or check withdrawals

Provide cashiers checks and/or money orders

Exchange Canadian currency at current rate of exchange

Perform account transfers both in-person and over the phone

Take Visa payments and disburse cash advances

Assist customers accessing safe deposit boxes

Operate Teller terminal and accurately record amounts received and disbursed

Daily open and close Teller terminal, account for cash assigned, received, disbursed. Accurately balance to Teller terminal close report and remit daily work.

Assist in opening and closing procedures of the branch.

Proactively seek to deepen customer relationships by cross selling Bank products and services.

Open new consumer and business accounts as needed.

Process non-real estate loan applications (i.e. term loans, lines of credit, credit cards).

Make outbound customer service phone calls as directed.

Adhere to Bank’s policies and procedures at all times.

Proactively seek to mitigate risk in every transaction.

Respond to customer inquiries.

Process account maintenance.

Maintain flexibility in order to work a schedule that can vary depending upon the needs of the branch.

Perform other duties as assigned, including but not limited to: check encoding, ATM machine balancing, address changes, filing, answering telephone, processing mail and assisting employees in other departments as required.

PREFERRED QUALIFICATIONS

6-12 months cash handling and customer service experience.

HOURS

Must be available Monday - Friday, between the hours of 8:00 a.m. and 6:00 p.m.; Schedule will change based upon the needs of the bank and various locations.

Full Description

About INB

INB is a growing community bank located in the beautiful Northwest. Surrounded by scenic beauty, the region is home to a thriving economy and growing business sector. At INB, the customer comes first. We are always learning and strive to share that knowledge with others. Every day, we compete to win trust and develop long-lasting relationships that help improve the communities in which we do business.

Learn More About INB