Commercial Lender

About The Role

Summary

We are a dynamic and growing community bank dedicated to providing exceptional financial services to individuals and businesses within our local area. Our mission is to build long-lasting relationships with customers by offering personalized service and fostering a community-oriented banking experience. As part of our team, you will have the opportunity to grow with us, contributing to both your personal and professional development in a supportive and innovative environment.

The Commercial Lender is responsible for contributing to the banks growth and profitability with extensive focus on business development activities. Employee develops and retains business relationships by meeting the financial services needs of commercial businesses. Additionally, successfully manages a portfolio of commercial banking relationships.

Employee will have extensive contact with customers, vendors, the public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank. This is an on-site position in order to provide great customer service

Essential Functions

• Meet or exceed loan production goal as set annually by manager in conjunction with goals set for Citizens Community Bank annual production.
• Obtain loan applications and interview clients. Analyze financial and related data to determine credit worthiness, appropriate pricing and loan structure while focusing on prompt and fair service regardless of approval or denial.
• Confirm details on loan documentation are complete and correct prior to closing to ensure accuracy and are in compliance with state and federal regulations as well as bank policy. All credit reports, financial statements, tax returns, title insurance commitments and appraisals are reviewed prior to closings. All supporting documentation is in the file and initialed.
• Monitor loan delinquency and proactively identify credit problems. Manage loan accounts for current documentation, performance, and total bank relationship. Respond to exception and compliance error reporting promptly to prevent or minimize potential losses.
• Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of commercial training sessions.
• Assist and respond to new loan requests in a timely manner by approving, declining (if within lending limitations) or submitting recommendation to loan committee. Assist as needed, in processing requests from CCB commercial lenders.
• Sales:
  Meet or exceed loan production goal for the department as set annually by Regional Lending Manager.
• Has open communications with Regional Lending Manager through sharing and accepting suggestions and ideas. Promote team efforts in all areas. Adjustments to change are made as necessary while maintaining a positive attitude.
• Prepare month-end reporting requirements in timely fashion.
• Regular, on-site attendance during standard business hours is required to perform the duties of this position.
• Regular and predictable attendance in order to accomplish assigned job duties
• Additional duties as assigned.

Additional Responsibilities:

• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel).
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Must complete the assigned online training courses and achieve a passing score by due date.
• Represent in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs.

Required Qualifications

• High school diploma or equivalent required.
• Bachelor’s degree preferred.
• Minimum 5 Years Commercial lending experience.

• High degree of attention to detail as well as excellent organizational skills to perform in a fast-paced environment.
• Must have ability to prioritize and organize heavy workloads and demonstrate effective time management skills.
• Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment.
• Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulations, company policies, knowledge, and experience.
• Ability to work both independently and in a team environment.
• Ability to understand and follow complex written and oral instructions.
• Ability to…