Commercial Lender

Civista Bank•Beachwood, OH

About The Position

The Commercial Lender manages and grows a diverse portfolio of commercial loans, including C&I, CRE, construction loans, lines of credit, letters of credit, and other complex loans. The role builds and maintains customer relationships, identifies new business opportunities, and drives commercial loan business, revenue, and deposit growth while managing risk. The position develops and manages a commercial loan portfolio; gathers customer and application information; analyzes financial documents and creditworthiness; and recommends, structures, and presents lending solutions. It also monitors loan performance, follows up on pending deals and renewals, reports portfolio and market developments to senior leadership, and develops customer relationships and strategic partnerships to expand the Bank’s business across the region. The role requires knowledge of commercial lending processes, portfolio management, and applicable lending regulations and compliance practices. The lender uses Microsoft Office 365 and the Bank’s financial software, communicates complex financial information professionally, and travels for meetings and training. Work includes sustained computer use, reading and communication tasks, concentration amid occasional distractions, and lifting or moving files or equipment weighing up to 40 pounds.

Requirements

Minimum 4 years of experience in commercial business lending and business development or in a Credit Analyst role.
College degree in Finance, Management, or equivalent.
Proven track record of establishing relationships and driving business and revenue growth while managing risk.
Knowledge of the commercial lending industry, processes, policies, and portfolio management.
Knowledge of commercial and consumer lending regulations and compliance, including required regulatory reporting and practices.
Ability to use Microsoft Office 365, including Excel, Word, PowerPoint, Outlook, and Teams.
Ability to operate the Bank’s financial software to access customer accounts and manage new and existing loan deals.
Ability to identify and analyze commercial customer business documents and navigate lending decisions.
Ability to network independently to build and establish business customer relationships.
Ability to communicate professionally and effectively verbally and in writing, and to present complex financial information to clients and senior leadership.

Responsibilities

Develop and manage a commercial loan portfolio.
Interview customers to determine loan requirements and gather information needed for loan applications.
Analyze financial statements and other relevant data to recommend lending solutions based on customer needs and financial capabilities.
Evaluate creditworthiness and present well-structured lending proposals.
Offer tailored financial solutions to meet customer objectives and improve satisfaction and retention.
Develop customized loan proposals and present them to customers to secure new business and maintain existing relationships.
Follow up on pending loan deals and loan renewals.
Provide senior leadership with updates on portfolio performance, new business, and market developments.
Monitor loan performance to ensure risk is appropriately managed and financial objectives are met.
Identify new business opportunities and develop strategic partnerships across the region to drive loan growth and revenue, with an emphasis on C&I lending.
Establish and maintain relationships with existing and potential customers by understanding their business needs, goals, and long-term strategies.
Prospect for new customers to expand the Bank’s market share.
Leverage industry contacts and existing relationships to generate revenue and achieve sales goals.
Identify opportunities to cross-sell additional products and services.
Participate in industry forums or business networks to increase brand awareness and build relationships with key influencers and decision-makers.