Commercial Lender

Senior Finance Recruiter @ Civic Minds, Inc | Accounting

ESSENTIAL FUNCTIONS:

This position assumes responsibility for the following duties:

• Develop and manage a mid-size to large commercial loan portfolio which includes commercial loans, commercial real estate loans and out-of-market participation loans.
• Monitors and manages existing credit relationships which includes timely note renewals, delinquency reporting, documentation of exceptions, covenant monitoring, monitoring asset and credit quality and compliance with banking regulations.
• Grow existing loan portfolio by developing new business relationships and deepening the relationships of existing commercial customers.
• Analyzes and evaluates credit requests, prepares loan presentations and makes presentations to a Senior Lender or Executive Loan Committee, depending on the size of the credit request.
• Serves as a Loan Committee member and assists in implementing approval or decline actions in accordance with Citizens Bank Loan Policy.
• Works independently for the size of credit managed with some oversight needed on more complex credits.
• Makes customer calls for new business opportunities while maintaining existing business relationships. Promotes and cross‑sells Citizens Bank products and services.
• Represents the bank through active participation in various community events and professional organizations.
• Responsible for oversight, compliance and training on a particular regulation(s).
• Performs other duties as may be assigned or required.

QUALIFICATIONS & SKILLS:

• Bachelor’s Degree in Business Administration with a Major in Accounting preferred or Finance or a minimum of 5 - 10 years of related experience and training.
• Knowledge of finance, accounting, complex credit analysis, commercial loan structures and associated loan documentation.
• Knowledge and experience with underwriting and servicing of participation loans.
• Proven ability to communicate verbally and in writing with internal and external customers at various levels of management.
• Ability to prepare and deliver persuasive oral and written reports and presentations.
• Strong analytical and problem‑solving skills.
• Computer skills including proficiency in Microsoft Excel, Microsoft Word, Adobe and Outlook.

Seniority level
:
Mid‑Senior level

Employment type
:
Full‑time

Job function
:
Management and Other

Industries
:
Banking