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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

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

Data Processing Specialist

Downtown | 40 Hours/week

Responsible for assuring the timely posting of checks drawn on INB and other banks, posting to bank accounts, posting of customer deposits, processing of return items, and support of various automated banking processes.

Summary:

Process incoming and outgoing Federal cash letters.

Process Canadian Cash letters

Accurately process and balance scheduled files interfaced into the core system. (Internet Banking, ATM, Bill Pay, ACH, Wires, Customer Remote Deposits)

Review the processed branch capture items for exceptions and accuracy prior to interfacing into core system.

Ensure that all branch capture batches are submitted by each branch and log the time each branch completes their final end of the night batch.  

Transmit all on us checks, deposits, and general ledger information from the branch capture system to the core system in order to post, update and print various reports and daily statements for the bank.

Transmit ATM daily balance files

Provide assistance to bank employees.

Provide assistance to customers (mainly Internet Banking assistance).

Process and update the bank’s core system.

Conduct night closing procedures.

Minimum Job Requirements:

Operate a 10-key by touch

Intermediate computer skills

Detail-oriented

Able to work independently

Able to process transactions accurately and within strict deadlines

Job Qualifications – Preferred:

Previous experience in proof or bank operations

Understanding of basic accounting

Hours: 

Monday – Friday 7:30 a.m. – 4:30 p.m. (Availability until 10:00pm due to rotating shift.)

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

Colfax | 40.00 hours/week
Hayden | 40.00 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:

Colfax: Hours are Monday - Friday 8:00am to 5:00pm

Hayden: Monday - Thurday 8:30am-5:30pm; Friday 9:00am-6:00pm

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

Cash Management Specialist

Downtown | 40.00 hours/week

The Cash Management Specialist is responsible for performing operational support duties of the Cash Management Department.

Provides a full range of professional, technical and general support to customers and Bank personnel; resolves problems within given authority. Provides clerical assistance in training Bank personnel on the features and benefits of cash management products and services. Performs a variety of routine daily tasks; reviews reports, prepares correspondence; participates in special department projects. The Cash Management Specialist duties also consist of developing new core deposit relationships and Cash Management relationships for established business customers and targeted prospective clients. They will work closely with commercial loan officers in attaining new non-interest income. They will provide a superior level of customer service. They will assists in providing a written response to a Request for Proposal: assess customer needs and recommend effective strategies through the annual review process.

Essential Functions:

Engages in business development activities: identifies, analyzes, and sells Cash Management products and services to established business customers and targeted prospective corporate clients with the intent to increase core deposits.

Provides support to all areas of the department as directed or where service or assistance is needed; demonstrates superior customer service with appropriate follow through with involved customers and employees.

Provides a full range of professional, technical and general support to customers and Bank personnel; assists customers with related application requirements such as file formats, parameters and overall product usage; handles routine inquiries and answers questions; provides step by step technical instruction and support via telephone, e-mail or in person; responds to customer inquiries or complaints and forwards messages as appropriate; trouble shoots and resolves problems within given authority.

Exhibits proficiency and product knowledge in the following areas: Merchant Source Capture, Merchant Services, all ACH capabilities, online banking as it relates to cash management, Positive Pay, analysis comparisons and analysis accounts and all other products as they relate to cash management.

Conducts a cost benefit and risk analysis for prospective and existing customers; reviews customer account analysis statements; originates financial spreadsheets, proformas and other support documentation.

Performs set-up of products as well as provide training for clients on products and services.

Takes ownership of the implementation process and coordinates all aspects of customer preparedness for product usage; accurately performs customer set-ups on the appropriate system; coordinates implementation efforts with other departments and vendors; makes changes to existing customer set-ups; prepares contracts and necessary documentation for customer signature; originates and maintains customer files; enters customer information into various computer programs; follows up on missing information of documentation; conducts daily callback of maintenance reports.

Performs daily reviews, monitoring and analysis of various reports, logs and transaction data to verify transactions, track trends, determine usage and profitability, and detect and report unusual or suspicious activity; tracks and prepares sales reports with pertinent information.

Assists in the development and implementation of new or enhanced cash management products and services.

Helps coordinate cash management training presentations and exercises with all Bank personnel, including material presented to employees during the new hire orientation process.

Maintains a proficient knowledge of all applicable banking rules and regulations.

Assists in special projects and tasks for the department as directed.

Answers telephones, answers questions and directs callers to proper Bank personnel.

Assumes responsibility for various department functions in the absence of staff members or in overload situations.

Assures compliance with all Bank policies and procedures and all applicable state and federal banking laws, rules and regulations.

Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities.

Works alongside Risk Officer to develop appropriate procedures for products and services. Works to develop approval forms and agreements to use bank wide. Audit files to maintain current records and limit agreements for appropriate products. Initiate projects regarding compliance of cash management products and records.

Provide training regarding cash management products and services as needed.  Be a point of reference for bank employees regarding cash management products.  Initiate product training as needed and as requested by other bank employees.

Negotiate pricing to optimize profitability of product or service solutions.  Periodically review vendor contracts to ensure we are receiving the best products and pricing.  Become aware of pricing of competitors and propose to adjust our rates accordingly.

Provide sales support for all products and deposit accounts. This can include setting up new product installation, assisting with opening accounts, visiting customers to help with online banking set up or anything else a customer would require assistance with.

Promotes, sells and secures deposits, products and services to existing and prospective customers.  May attend joint calls with officers or other bank personnel. Demonstrates products and services to existing and potential customers and assists them in selecting those best suited for their needs.

Retains adequate knowledge and skills in the consumer, INB Express, and merchant services products and processes in order to be capable of providing back-up support when needed.

Other duties as assigned.

Job Qualifications:

High school diploma or general education degree (GED) plus two years related work experience and/or training, or equivalent combination of education and experience. Basic knowledge of related state and federal banking compliance regulations, Bank policies and procedures, and Bank products and services. 

Full Description

Teller

Downtown | 38.25 hours/week
University District | 23.25 hours/week
Northside | 27.50 hours/week
Coeur d’Alene | 25.00 hours/week
Airway Heights | 36.5 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

University District : Wednesday, Thursday, Friday 11:30 am – 6:15 pm, Saturday 9:45 am - 2:15 pm

Northside : Wednesday 10:00am - 6:15pm, Thursday & Friday 8:45am - 6:15pm, Saturday 9:45am - 2:15pm

Coeur d' Alene : Monday - Friday; 1:00 p.m. – 6:00pm

Airway Heights : Monday, Wednesday, Friday: 8:45 a.m. –  6:00 p.m., Tuesday: 8:45 a.m. – 4:45 p.m., and rotating Saturdays: 9:45 a.m. – 2:00 p.m.

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