Business Banking Officer

Overview

Job Title: Business Banking Officer

Location: Springfield, Ohio

Status: Full Time

FSLA Job Class: Exempt

Department: Commercial Loan Sales

Reports To: Springfield City President

Citizens National Bank, we have surrounded ourselves with some of the brightest and most talented professionals in the financial service industry to form a solid and secure community banking foundation.

• Prospect, originate, process, and evaluate new business, and close commercial/ag loans; maintain and service an existing portfolio.
• Develop robust relationships with emphasis on commercial loans and deposits, as well as Treasury Management products and services.
• Represent the bank in the local community through active participation in community affairs and marketing the bank's products and services.
• Source and develop commercial loan requests and deposits for new and existing customers through regular outside sales calls.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and promoting all bank products and services.
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or work with Credit Analyst for verification and recommendation.
• Negotiate terms, structure loan financing based on risk, and present credits for approval to appropriate levels of authority.
• Correspond with, counsel and keep individuals apprised of loan application status.
• Ensure loan agreements are complete and accurate according to policy, close loans.
• Support the bank's relationship banking culture through ongoing customer contact, quality customer service and product knowledge.
• Promote favorable image of the financial institution in all business activities within the community.
• Travel to external offices/locations as needed to meet with management, staff and others; on-site presence is also necessary for regular, successful performance.
• Complies with all bank, state and federal policies, procedures and regulations.

Job Requirements

• Bachelor's Degree in Business, Finance or related field

• Two years experience in a financial institution or loan setting is preferred
• Previous sales experience
• Basic understanding of financial institution policies and procedures
• Must have stellar written and verbal communication skills
• High level of professionalism
• Credit Training is required
• Proficiency in computer software such as Word, Excel, and Outlook
• Must maintain a well-developed working knowledge of the bank's products and services, along with the applicable regulations and operating systems
• Must have the ability to manage multiple priorities and meet deadlines

• Medical, Dental, and Vision Insurance
• Company Paid Life Insurance
• Company Paid Short Term & Long Term Disability
• Generous Paid Time Off including Vacation, Sick, Personal, and Emergency Time
• 11 Paid Holidays
• Incentive Plan paid on a quarterly basis
• Employee Stock Ownership Plan for your retirement
• Banking Perks

Citizens National Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.