Commercial Lender

Civista Bancshares • Sandusky, OH

70d

About The Position

The Commercial Lender is responsible for managing and growing a diverse portfolio of commercial loans. They are responsible for knowing all aspects of loans including C&I, CRE, Construction, Lines of Credit, Letters of Credit and other complex loans. Responsibilities include building and maintaining strong relationships, identifying new business opportunities, and driving commercial loan business, revenue and deposit growth.

Requirements

• Minimum 4 years of experience in Commercial Business Lending & Business Development or Credit Analyst role.
• A college degree in Finance, Management or equivalent.
• Knowledge of commercial lending industry, processes, policies, and portfolio management.
• Knowledge of commercial and consumer lending regulations and compliance and other regulatory required reporting and practices.
• Knowledge of regulatory and compliance practices applicable to commercial lending.
• Ability to use Microsoft Office 365 suite 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 independently network 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.

Responsibilities

• Develop and manage a commercial loan portfolio.
• Interview customers to determine loan requirements and gather necessary information for loan applications.
• Analyze financial statements and other relevant data to recommend the best 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, while enhancing customer 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 updates on portfolio performance, new business, and market developments to senior leadership.
• Monitor loan performance, ensuring 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 opportunities.
• Establish and maintain strong relationships with existing and potential customers by understanding their business needs, goals, and long-term strategies.
• Prospect for new customers, expanding the Bank's market share.
• Leverage industry contacts and existing relationships to enhance revenue generation and achieve sales goals.
• Proactively identify opportunities to cross-sell additional products and services.
• Engage in industry forums or business networks to increase brand awareness and build relationships with key influencers and decision-makers.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Credit Intermediation and Related Activities
• Education Level: Bachelor's degree