Commercial Lender

Construction Association of Michigan; Sandusky, Northern (OH, KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Civista Bank is seeking a Commercial Lender to manage and grow a diverse portfolio of commercial loans. You will build strong client relationships, analyze financial data, and present lending proposals to meet customer needs.

The role requires 4+ years in commercial lending or related fields, with a finance/management degree. Expect a performance-driven environment and a focus on risk management and revenue growth.

Qualifications

• Knowledge of commercial lending industry, processes, policies, and portfolio management.
• Knowledge of commercial lending regulations and compliance and reporting practices.
• Regulatory and compliance practices applicable to commercial lending.

Responsibilities

• Develop and manage a commercial loan portfolio.
• Interview customers to determine loan requirements and gather information for applications.
• Analyze financial statements and data to recommend lending solutions.
• Evaluate creditworthiness and present lending proposals.
• Offer tailored financial solutions to meet customer objectives and retention.
• Develop loan proposals and present them to secure new business.
• Follow up on loan deals and renewals.
• Provide updates on portfolio performance and market developments to senior leadership.

Skills

Commercial lending

Portfolio management

Regulatory compliance

Communication

Networking

Education

Finance/Management degree

Tools

Microsoft Office 365

Job description

Civista Bank

Description

Position Purpose

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.

Description of Duties, Responsibilities and Expectations

Commercial Lending

• 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.

Risk Management

• Monitor loan performance, ensuring risk is appropriately managed and financial objectives are met.

Business Development & Relationship Management

• 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.

Requirements

Qualifications, Knowledge and Skills

Knowledge Of

• Commercial lending industry, processes, policies, and portfolio management.
• Commercial and consumer lending regulations and compliance and other regulatory required reporting and practices.
• Regulatory and Compliance practices applicable to commercial lending.

Ability To

• Use Microsoft Office 365 suite including Excel, Word, PowerPoint, Outlook and Teams.
• Operate the Bank's financial software to access customer accounts and manage new and existing loan deals.
• Identify and analyze Commercial Customer business documents and navigate lending decisions
• Independently network to build and establish business customer relationships.
• Communicate professionally and effectively verbally and in writing and present complex financial information to clients and senior leadership.

Required Education and Experience

• Minimum 4 years of experience in Commercial Business Lending & Business Development or Credit Analyst role.
• A college degree in Finance, Management or equivalent.

Proven track record of establishing relationships and driving business and revenue growth while managing risk.

Physical Requirements

• Work involves eye strain due to the constant use of computer screens, reading reports, documents, and so forth.
• Work involves reading, hearing, speaking, listening, typing and ability to communicate in a professional manner, in person, via telephone and via email.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
• Work involves lifting and moving files or equipment of up to 40 lbs.
• Work involves some travel to attend meetings, training, and so forth.

EOE - Race/Sex/Disability/Veteran

This 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.