Commercial Lender

Civista Bank•Sandusky, OH

About The Position

Civista Bank, a community bank headquartered in Sandusky, Ohio, is seeking a Commercial Lender to develop new business, build customer relationships, and expand the bank’s presence throughout Erie and Ottawa counties. The role manages and grows a diverse commercial loan portfolio, including commercial and industrial (C&I), commercial real estate (CRE), construction, lines of credit, letters of credit, and other complex loans. The Commercial Lender identifies business opportunities, develops lending solutions and proposals, evaluates creditworthiness, and manages loan and portfolio performance. The position also builds customer and strategic partner relationships, drives commercial loan and deposit growth, and provides updates on portfolio performance, business development, and market developments to senior leadership.

Requirements

Minimum of 4 years of experience in commercial business lending and business development or as a credit analyst.
A college degree in Finance, Management, or an equivalent field.
A 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, compliance, required regulatory reporting, and applicable commercial lending 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 present complex financial information to clients and senior leadership.
Ability to read, hear, speak, listen, type, and communicate professionally in person, by telephone, and by email.
Ability to concentrate on the matter at hand, including under sometimes distracting work conditions.
Ability to lift and move files or equipment weighing up to 40 lbs.
Ability to travel to meetings, training, and other activities.

Responsibilities

Develop and manage a commercial loan portfolio.
Interview customers to determine loan requirements and gather information 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 that meet customer objectives and support 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 manage risk and meet financial objectives.
Identify new business opportunities and develop strategic partnerships across the region to drive loan growth and revenue, with an emphasis on C&I lending.
Build and maintain relationships with existing and prospective customers by understanding their business needs, goals, and long-term strategies.
Prospect for new customers and 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.