Commercial Banking & Lending Officer

Citizens National Bank; Lima (OH); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Uncapped incentives

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Paid Time Off

Holidays

Stock Ownership Plan

Job summary

Citizens National Bank in Lima, OH seeks a Business Banking Officer to develop commercial loan requests, deposits, and relationships with clients. You will drive profitability through pricing, credit analysis, and cross‑selling bank products while maintaining compliance and community presence.

The role requires a Bachelor’s degree in Business or Finance, plus 2 years in a financial setting and strong communication skills.

Qualifications

• Bachelor's degree in Business, Finance or related field.
• Two years experience in a financial institution or loan setting preferred.
• Stellar written and verbal communication skills.
• High level of professionalism.
• Credit Training is required.
• Proficiency in Word, Excel, and Outlook.
• Must maintain a well-developed working knowledge of the bank's products and regulations.

Responsibilities

• Source and develop commercial loan requests and deposits for new and existing customers through regular outside sales calls.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and promoting all bank products and services.
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or work closely with Credit Analyst for verification and recommendation.
• Negotiate terms, structure loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required.
• Correspond with, counsel and keep individuals apprised of loan application status.
• Ensure loan agreements are complete and accurate according to policy, close loans.
• Support the bank's relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.

Skills

Client relationship

Communication

Sales

Pricing & profitability

Credit analysis

Time management

Travel readiness

Education

Bachelor's degree in Business/Finance or related field

Tools

Word

Excel

Outlook

Job description

Citizens National Bank in Lima, OH seeks a Business Banking Officer to develop commercial loan requests, deposits, and relationships with clients. You will drive profitability through pricing, credit analysis, and cross‑selling bank products while maintaining compliance and community presence.

The role requires a Bachelor’s degree in Business or Finance, plus 2 years in a financial setting and strong communication skills.