Commercial Lender (Relationship Banker)

Citizens National Bank•Madison, MS

23d•Onsite

About The Position

The Relationship Banker is responsible for establishing and growing relationships within the bank. This involves making sales calls and developing a rapport with the customer or potential customer. Growth goals for all RBs are established for loans, deposits, and fee income, while the RB is also asked to be active in the communities we serve.

Requirements

High School Graduate or GED and 5 years of related experience or Bachelors degree and 3 years of related experience.
Must be proficient in Microsoft Word and Excel and other necessary software for efficiency.
Motivation and initiative are essential and must have a sense of urgency and be proactive.
Excellent verbal and written communication skills.
Ability to handle multiple tasks.
Must possess excellent negotiation and problem-solving skills.
Knowledge of sales principles, understanding of lending and credit approval processes, and pricing models.
Presents loan commitments to customers executive management effectively with professionalism and clarity.
Must possess a high level of analytical skills, effective interpersonal skills, and the confidence to make sound, assertive business decisions that align with both the bank's objectives and the best interests of the borrower.

Nice To Haves

Bachelors Degree or more than 7 years of related experience.

Responsibilities

Adheres to the Banks Vision, Mission Statement, Moments of Truth, Core Competencies, Sales and Service standards, Bank policies, Bank regulations, and the Bank Operations Manual.
Structures and analyzes new and renewed loan requests and makes loans within lending authority.
Follows the Banks sales process and interviews commercial loan applicants.
Actively participates in the new business development program.
Works closely with SRB, RP, and RSCO and presents loan applications for the appropriate approval.
Works closely with RBGA to prepare loan packages for approval, closings, and post-closing.
Manages all aspects of assigned loan portfolios and relationships including assigning appropriate risk grades to loans and relationships and monitoring compliance with loan policies and appropriate regulations.
Collects past due loans unless assigned to the centralized collectors.
Responds to referrals from Senior Management and others.
Handles customer service matters and inquiries for lending and non-lending issues.
Sends financial statements to the credit analysts for spreading and analysis.
Provides informal training and guidance for less experienced lenders.
Participates in community activities and organizations.
Refers appropriate banking opportunities to other departments and personnel.
Cross-sell all company products and services.