The Bank serves as a banker’s bank for our state. This means that we are not only a resource for lending funds, but also for business expertise to grow the state’s economy. Frequently, financial institutions turn to BND for advice on a loan opportunity or how to manage their investment funds. State agencies look to us for financial education and to help manage their funds wisely.
BND is organized into six service areas to serve financial institutions and the general public. In addition to their degrees and experience, many of our staff are graduates of specific certification programs such as the Graduate School of Banking, highly regarded nationally as a training ground for the best and brightest in the field.
Accounting & Treasury team members manage the Bank’s money, create and analyze financial reports and reconcile accounts. Staff expertise includes certified public accountants, accountants, trust administrators and investment associates.
Business Development focuses on the lending services of the Bank and includes business bankers, loan administration specialists, and operations staff to process loan payments. Educational backgrounds and certifications include accounting, business administration and agribusiness.
Credit Administration is responsible for credit quality and mitigating risk in the loan portfolio through credit analysis, collateral valuation, loan portfolio management, special assets, and collection activities. Credit administration staff include certified public accountants, accountants, business management graduates and special certifications required to provide valuation services.
Human Resources & Communications members include Certified Human Resource Professionals and communications professionals who support the entire Bank. Education backgrounds include masters in business administration, and bachelor’s economics, organizational management, communications, graphic design and psychology.
Innovation team responsibilities include facility management, information technology, Bank operations, retail banking, merchant Services, project management and innovation implementation. Expertise includes degrees in business and finance, several with Master of Business Administration (MBA) degrees, several Graduate School of Banking graduates, Certified Information Security Manager (CISM), several information technology certifications in many IT areas related to banking and process improvement, Project Management Professional (PMP) certification, Six Sigma Black Belt certification and Accredited ACH Professionals (AAP).
Risk management consults with BND business units to ensure their processes are efficient and designed to manage or leverage risks, and provides independent assurance to management and the BND Advisory Board. Staff includes certified internal auditors, a Certified Community Bank Risk Specialist, a Certified Banking Cybersecurity Manager, a Security Control Authorization Professional, a Certified Business Resilience Manager, a Certified Bank Secrecy Act/Anti-money laundering Professional and a Certified Bank Compliance Officer.
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