Commercial Relationship Manager

Location: Dayton, OH Market

LCNB National Bank is seeking a Commercial Relationship Manager to join our Commercial Lending Team supporting the Dayton, Ohio market. This position is responsible for developing new Commercial & Industrial (C&I) and Commercial Real Estate (CRE) business, structuring and closing of loans, as well as maintaining and servicing a commercial loan portfolio. Additionally, the Commercial Relationship Manager will sell deposit and treasury management products to new and existing business clients and is responsible for introducing and referring new and existing clients to the LCNB Wealth Department and the retail banking staff for consumer products, DDA, mortgages, and HELOC’s.

• Solicits C&I and CRE applicants from various sources, interviews applicants to determine loan requirements and gather pertinent information for loan applications.
• Analyzes applicant's financial status, credit, and asset evaluation to determine feasibility of loan request and to look for cross‑selling opportunities.
• Resolves uncertainties relating to customer application information through inquiries with applicants and in partnership with the credit analyst team.
• Structures loans within loan policy. Recommends approval of loan opportunities to the Commercial Sales Manager and to designated loan personnel per loan policy.
• Prepares financing proposals consistent with approval for presentation to the applicant.
• Reviews loan documentation prior to closing for completeness and acceptance by the applicant.
• Ensures timely loan closing and funding activities.
• Maintains a positive working relationship with customers, staff, local professionals, centers of influence, and community organizations.
• Participates in community and professional organizations and events.
• Manages commercial loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring.
• Uses experience and sound judgment to plan and accomplish goals.
• Additional duties as assigned.

• 5+ years of experience in Commercial Lending, with a preference for existing experience within service area. Credit training.
• Bachelor’s Degree in business administration or related area.
• Ability to generate $8-12 million in new loan growth.

• Ability to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision.
• Strong written and verbal communication skills.
• Ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed.
• Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending.
• Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation.

• Ability to work outside the office 50% + of the time
• Ability to travel to and from bank offices and third‑party locations
• Occasionally move/traverse to access files and equipment
• Constantly operates a computer and other office equipment

The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation.

Equal Opportunity Employer/Disability/Veterans.