Civista Bank
Job title:
Commercial Lender
Company
Civista Bank
Job description
Civista BankDescription:Position Purpose: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.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. Requirements:
Qualifications, Knowledge and Skills:
- Five to seven 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.
Pay Transparency Nondiscrimination Provision:Equal Opportunity Employer EEOC M/F/D/VThis Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this position at any time.PIee7dd502f62b-3591
Expected salary
Location
Akron, OH
Job date
Tue, 07 Jan 2025 06:34:13 GMT
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