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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

Senior Credit Analyst

Assists commercial lenders in complex credit analysis and credit approval packages. Performs analysis of financial statements, cashflows, pricing analysis.

SUMMARY STATEMENT & PURPOSE

Completes background portions of credit approval package. Prepares presentation materials for new and additional credit proposals. Independently researches and analyzes company and industry data. May recommend loan terms and/or pricing structures to commercial lender. May lead commercial credit analysts. Routinely exercises independent judgment on customer issues.

ESSENTIAL FUNCTIONS

Prepare loan addendums and loan reports.  Complete the most complex credit memos for new and existing requests to conform to loan policy requirements and information needs of the banker and underwriter. Also assists with more complex loan requests.

Analyze business financial statements including income statements, balance sheets, and cash flow statements.

Analyze personal cash flow. Understand and identify sources of personal cash flow from tax returns.

Complete risk rating and pricing module of credit requests as required.

Perform financial analysis of borrowers and guarantors. Assist in the preparation of loan packages. Complete loan addendum write-ups as requested.

Assist banker in making credit presentations to the Chief Credit Officer and/or loan committee on recommended loans.

Close loans for banker as requested.  May visit customer’s place of business to close loans or obtain or deliver documents.

Properly document and process complex and simpler loans in a timely and accurate manner according to loan type.  In absence of Loan Assistant, prepare Document Request Form.

Perform oversight to ensure file completeness and conditions are met on approved credit requests.

Ensure existing credit relationships adhere to loan conditions and covenants and that all required customer information is obtained in a timely manner.  Notify banker and Loan Administration of any covenant violations.

Conduct final review of credit file after loan closing before giving to Loan Servicing for boarding.

Review maturing loan report and coordinate with banker in the notification of the customer for credit renewals.

Work with Loan Assistant to initiate correspondence and/or telephone calls with customers to obtain necessary documents and information to eliminate credit file exceptions and to keep financial information current.

Ensure that financial information is complete and signed per loan policy requirements and follow up with banker and/or customer for missing or incomplete information.

Evaluate existing loans for changes in risk and make recommendations to banker for any risk rating changes.

Prepare advances on Lines of Credit and multiple advance notes for banker approval.  This includes updating budget spreadsheets and obtaining lien waivers as applicable.

Assist banker in responding to and correcting any internal/external audit exceptions.

Assist banker in bringing past due loans current. May include calling customer for progress reports.

Assist banker in preparing loan packages for submission to the Small Business Administration.

Approve overdrafts of $10,000 or less.

Perform other Duties as Assigned

JOB QUALIFICATIONS:

Education and/or Experience: Bachelor's Degree (Finance, Accounting or Economics degree preferred) or equivalent experience plus five or more years banking experience; or equivalent combination of education and experience.

Language Skills: Ability to read, analyze, and interpret financial and credit information and governmental regulations. Ability to write business correspondence and effectively present information and respond to questions from customers.

Reasoning Ability: Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills: To perform this job successfully, an individual should have knowledge of Spreadsheet, Word Processing and Moody’s software applications.

Other preferred (not required) qualifications: Community bank experience, consumer lending training, financial services sales training, formal accounting /banking schools, familiar with specialized software such as Tcalc, Ag or SBA lending.

Full Description

Mortgage Loan Officer

Downtown | 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

Loan Servicing Specialist

Downtown | 40.00 hours/week

This position is responsible for supporting all loan servicing functions including commercial, consumer, mortgage and credit cards by delivering comprehensive and prompt customer service to internal and external customers.

This position requires a thorough knowledge of loan policy, loan products, entity structure and collateral perfection.  A high value is placed on the ability to simply be nice when serving co-workers and clients.

Essential Functions:

Deliver excellent customer service to internal and external customers in the execution of all assigned loan servicing duties within service level standards.

Document commercial and consumer loans using the LaserPro documentation system.

Perform real estate, vehicle, boat, aircraft, UCC and manufactured home perfection and releasing.

Ensure all loans are closed accurately and the bank’s lien position is protected.

Perform post-closing quality control review on newly funded and modified loans.

Process a variety of transactions for loan customers including new loan setups, advances and transfers.

Monitor insurance renewals and UCC continuations.

Image loan documents and maintain AccuLoan database.

Prepare payoff quotes as requests are received from escrow companies, branches and clients.

Ensure that vendor’s bills are paid timely and assessed to the correct general ledger.

Work independently and as a team player to cross train and assist others to complete tasks and work assignments with production volume changes.

Exercise quality control oversight in the execution of all duties.

Follow the Bank’s Information Security policies, ensuring that the processing and handling of customer and confidential bank information is done in a secure manner and environment.

Complete any other job-related duties as assigned by manager or supervisor.

Job Qualifications:

2-3 years banking or related office experience

Full Description

Customer Contact Specialist

Downtown | 40 hours/week

The Customer Contact Specialist is responsible for performing a full range of customer service-oriented telephone and e-mail support activities as directed by the Operations Manager.

Interacts with customers professionally; responds to inquiries of a specific or general nature; determines appropriate response or direction for the caller; promotes various marketing campaigns; assists and/or refers in the completion of new account or loan applications; resolves problems within given authority or escalates appropriately when needed.  Performs various operational background duties; assists with procedure or issue writing, processes account balance or transfer requests, stop payment orders, changes of address and other such customer requests or authorizations.  Conducts a variety of routine daily tasks; reviews reports, prepares correspondence; participates in special department projects. In accordance with prescribed methods of operating policies and established practice, this position provides troubleshooting expertise for a wide range of bank operations and customer relations issues, and monitors system controls.  This position is 95% customer interaction on the phone and by email correspondence.

ESSENTIAL FUNCTIONS

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 customer service-oriented telephone and email support activities to customers and Bank personnel; interacts with customers professionally; responds to inquiries of a specific or general nature and determines appropriate response or direction for the caller.  95% of this position will be providing support either on the phones or responding to email requests. 

Resolves customer concerns, problems and discrepancies by clarifying issues within given authority; researches and explores answers and alternative solutions; reconciles accounts; enters corrections; reverses customer fees or charges with the concurrence of Bank management; escalates unresolved problems.  Must be able to handle most customer interactions independently while addressing customer concerns in an appropriate manner.

Assist in creating and maintaining various operations procedure manuals.

Review branch monthly certifications for completion and accuracy.

Review general ledger tickets for completion.

Assist branches in finding offages

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

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

Answer general operations questions.

Performs other duties as assigned

JOB QUALIFICATIONS

High school diploma or general education degree (GED) plus one or more years of experience in a financial or related environment; or equivalent combination of education and experience. Banking experience in either branch location or back office operations/deposits. Able to review, discuss & process transactions accurately. A cooperative, positive, professional attitude toward customers, potential customers, and co-workers. Excellent interpersonal skills.  Prior experience handling customers effectively in demanding situations.

HOURS

Downtown: Monday – Friday 9:00 a.m. to 6:00 p.m.

Full Description

Assistant Branch Manager

Rockford | EXEMPT 40 HOURS/WEEK

The Assistant Branch Manager assists in leading a branch team in meeting the Bank’s business objectives, such as deposit growth and income goals.

Serves as a leader, coach and role model for branch employees in developing new customer relationships, solidifying existing customer relationships and delivering high-quality customer experiences.  This position supports the Branch Manager by overseeing the daily operations of the branch and supervising and training the branch employees to ensure that all operational functions and compliance requirements are completely and properly performed.

ESSENTIAL FUNCTIONS

Coaches, manages and trains branch employees to deliver high-quality sales and service experiences consistent with the Bank’s standards.

Motivates branch employees to achieve assigned sales goals, both individually and for the branch.

Develops and maintains strong knowledge across the full range of bank products and services.

Serves as a role model for branch employees.

Assists in leading a branch team in executing effective operational and quality control procedures to provide high-quality, efficient customer service, ensure compliance, and mitigate risks.

Participates in after hour events, including evening and weekend functions as necessary,

Solves complex customer servicing issues and handles difficult customers effectively.

Manages and mitigates operational risks by following established policies and procedures and making sound business decisions.

Mentors and develops branch employees with varying skill sets and experience to achieve sales, service and operational excellence.  Ensures effective branch communications.  Identifies and supports training and development opportunities.  Provides ongoing coaching. 

Prepares performance evaluations.  Recommends branch employee promotions and pay adjustments and takes appropriate action for disciplinary action/termination of branch employees.

Facilitates regular meetings to disseminate information regarding branch security, safety, operations, regulatory compliance, bank products and other relevant branch information.

Performs Teller and Personal Banker duties as needed. (See applicable Teller and Personal Banker job descriptions)

Develops schedules and ensures staffing of Tellers and Personal Bankers on an ongoing basis

Performs monthly certifications

Performs overdraft decisions and non ODP collection procedures.

Other duties as assigned.

JOB QUALIFICATIONS 

High school diploma or general education degree (GED).  Two to five years of teller and/or personal banker experience; or equivalent combination of education and experience.  Strong coaching, motivation and training skills focusing on sales, service, operations and regulatory compliance.

Full Description

Teller

South Hill | 40 hours/week
Hayden | 38.50 hours/week
Valley | 40.00 hours/week
Spirit Lake | 31.00 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:

South Hill : Monday – Friday 9:15 a.m. – 6:15 p.m
Hayden : Monday – Thursday 9:30 a.m. – 6:00 p.m.; Friday 9:00 a.m. – 6:00 p.m.
Valley : Monday - Friday and must be available between 8:45 a.m. – 6:15 p.m.
Spirit Lake : Monday – Thursday 11:00am – 6:00pm, Friday 10:00am – 6:00pm

Full Description

Float Teller

South Hill | 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

Greater Spokane Area : 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.

North Idaho : Must be available Monday - Friday, between the hours of 8:00 a.m. - 6:15 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