Commercial Lender

Sandusky, OH, United States

Job Description


Civista Bank

Description:

This multi-incumbent position originates, manages, and oversees the incumbents\' portfolio of commercial loans with overall objective of maintaining and increasing its asset quality; to develop new and existing business relationships. Requirements:

Description of Duties, Responsibilities and Expectations:

  • Takes applications for commercial and/or agriculture loan business. Reviews customer financial condition by obtaining credit report and other necessary documents and assesses the customer\'s ability to re-pay the loan. Makes underwriting recommendations to senior lender. Completes or directs completion of all loan documents and closes loans.
  • Participates in developing lending and deposit business for the Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Bank\'s client base.
  • Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
  • Collects the standard Bank fees on all loans.
  • Assists in collection of past due loans.
  • Assists customers with any loan-related questions and concerns.
  • To independently manage intermediate or moderately complex business/commercial loan credit underwriting and loan structures.
  • To produce assigned loan volume as set annually by your supervisor.
  • To ensure and maintain asset quality of loan portfolio.
  • To maintain an appropriate delinquency rate of loan portfolio as set by your supervisor/Bank policy.
  • To collect the Bank\'s standard fee income on portfolio loans and the standard fee on loans sold.
  • To maintain an acceptable charge-off and delinquency rate as set by your supervisor/Bank policy.
  • To insure that lending operations are in accordance with established Bank policy and are legally compliant.
  • To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.
Qualifications, Knowledge and Skills:
  • Four to six years of combined credit underwriting, lending, business development and sales experience.
  • A college degree generally in finance, accounting and/or banking or equivalent work experience in the banking industry.
  • Completion of the first level of Advanced Commercial Lending School, or Graduate Banking School, or Certified Community Lender Certification.
  • The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.
  • Above average experience in analyzing business financial statements and assessing the viability of businesses;
  • Solid communication and PR skills;
  • Above average computer skills (Word, Excel) and the ability to learn and proficiently use related lending software programs;
  • Ability to handle multiple projects with varied deadlines;
  • Strong attention to detail/analytical skills;
  • Willingness to be involved in civic and/or professional associations,
  • Demonstrated proficiency at intermediate level of sales skills and abilities for developing new business customer relationships.
Physical Requirements:
  • Work involves some eye strain due to reading reports, computing figures, using computer, and so forth.
  • Work involves sitting for long periods at a time, moving, hearing, and communicating both in person and by telephone.
  • Work involves using own vehicle or bank vehicle for travel to offsite meetings, seminars, client calls, branch visits, and so forth.
  • Work involves being flexible regarding work hours\xe2\x80\x94may need to stay late/arrive early to attend meetings or complete work, as necessary.
PI221992063

Civista Bank

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Job Detail

  • Job Id
    JD4301423
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    Sandusky, OH, United States
  • Education
    Not mentioned