Commercial Lender

Company: Civista Bank
Location: Bowling Green
Posted on: May 7, 2025

Job Description:

Civista BankDescription:Position Purpose:This multi-incumbent position is responsible to originate, manage, and oversee the incumbents' portfolio of commercial loans with overall objective of maintaining and increasing portfolio asset quality; to develop new and existing business relationships.Description of Duties, Responsibilities and Expectations:

• Takes applications primarily for commercial loan business. Reviews customer financial condition by obtaining credit report and other necessary documents and assesses the customer's ability to re-pay the loan. Makes underwriting recommendations to senior lender. Completes or directs completion of all loan documents and closes loans.
  • Participates in developing lending and deposit business for the Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Bank's client base.
    • Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.
      • Collects the standard Bank fees for portfolio loans and on loans sold.
        • Assists in collection of past due loans.
          • Assists customers with any loan-related questions and concerns.
            • To demonstrate proficiency in independently dealing with/managing routine, noncomplex credits and loan structure and intermediate complexity of loan credit and structure with assistance and support from senior loan officer.
              • To produce assigned loan volume as set annually by your supervisor.
                • To ensure and maintain asset quality of loan portfolio.
                  • To maintain an appropriate delinquency rate of loan portfolio as set by your supervisor/Bank policy.
                    • To collect the Bank's standard fee income on portfolio loans and the standard fee on loans sold.
                      • To maintain an acceptable charge-off rate as set by your supervisor/Bank policy.
                        • To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.Requirements:Qualifications, Knowledge and Skills:
                          • One to three years of commercial lending experience and/or credit analysis experience.
                          • Associate's Degree or equivalent in business Administration, Finance, or post high school education in banking.
                          • The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.
                          • Base knowledge in analyzing business financial statements and assessing the viability of businesses;
                          • Good written and verbal communication and PR skills;
                          • Good computer skills with ability to learn and proficiently use related software programs;
                          • Ability to handle multiple projects with varied deadlines;
                          • Attention to detail/analytical skills;
                          • Willingness to be involved in civic and/or professional associations.Pay Transparency Nondiscrimination Provision: https://www.dol.gov/agencies/ofccp/postersEqual Opportunity Employer EEOC M/F/D/VThis Position Description is not a complete statement of all duties and responsibilities comprising this position.Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.PI7ca431bd3876-37820-36564742

Keywords: Civista Bank, Dearborn , Commercial Lender, Other , Bowling Green, Michigan