ERIEBANK, Commercial Banking Officer

CNB Bank • Erie, PA

379d

About The Position

The Commercial Banker must be willing to interview commercial loan applicants and make credit decisions within established guidelines. Process loan applications, maintain customer relationships including related consumer loan and deposits. Maintain and service Commercial Loans including collection efforts and Deposit Pipelines.

Requirements

• Bachelor's degree (B.A.) from a four-year college or university or five years related experience and/or training.
• Ability to read, analyze, and interpret general business periodicals, professional journals, and government regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, and the general public.
• Ability to work with mathematical concepts such as probability and statistical inference.
• Ability to solve practical problems and deal with a variety of concrete variables.

Responsibilities

• Provide enhanced client service by meeting client and coworker expectations and established goals.
• Discover client needs, develop solutions, and implement plans to exceed client goals and expectations.
• Actively promote products and services and refer existing and potential customers to Treasury Management, Private Banking, Wealth & Asset Management.
• Responsible for loan originations and growth, deposit gathering, fee income, and referrals.
• Utilize Loan Vantage to produce a quality loan presentation for approval.
• Interview applicants and request specified information for loan applications.
• Analyze applicant's financial status, credit, and property evaluation to resolve feasibility of granting loan.
• Work with credit analyst to assist with underwriting of loan proposals.
• Request applicant credit reports, background checks, and other pertinent information.
• Compile loan packages and facilitate consultation of loan structure with applicants.
• Approve loans within specified limits or refer loans to loan committee for approval.
• Ensure loan agreements are complete and accurate according to policy.
• Advise management of external factors that may affect established lending policies.
• Actively supervise portfolio and work with borrowers to ensure timely repayment of loans.
• Represent the Bank in a professional manner and provide leadership/community involvement.

Benefits

• Medical, Dental, Vision & Life Insurance
• 401K with company match and profit-sharing program
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Securities, Commodity Contracts, and Other Financial Investments and Related Activities
• Education Level: Bachelor's degree