Company: Civista Bank
Posted on: June 24, 2022
Civista Bank Description:
Position Purpose: The Commercial Lender 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:
- Four to six 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
- 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
- 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/V This 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. PI182411976
Keywords: Civista Bank, Dayton , Commercial Lender, Other , Dayton, Ohio
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