Commercial Lending Officer

Community State Bank, Avilla IN; Fort Wayne (IN); On-site; USD 65,000 - 100,000; Full time

Job summary

Community State Bank in Fort Wayne, Indiana is seeking a Commercial Lending Officer/Relationship Manager to expand client relationships and provide tailored financial solutions across our Commercial Banking division.

The CRM II will develop new business, maintain existing loans, and collaborate with product teams to meet client needs. Strong communication, presentation skills, and MS Office proficiency are essential for success in this role.

Qualifications

• A 4-year college degree in Business or related field normally required.
• 3-5 years of commercial lending experience required.
• Strong communication and presentation skills; proficient with MS Office.

Responsibilities

• Develop and expand commercial banking relationships.
• Maintain and service client relationships within the lender's portfolio.
• Identify prospects and convert them into new clients.
• Meet or exceed scorecard goals for loan production and growth.
• Assist with credit presentations and risk assessments.

Skills

Verbal and written communication

Typing (≥30 wpm)

MS Office (Word/Excel/PowerPoint/Outlo

Fluent English

Professional presentations

Travel readiness

Education

4-year college degree in Business or related field

Tools

Microsoft Office suite

Job description

Community State Bank is seeking a Commercial Lending Officer (Commercial Relationship Manager) to join our team of Commercial Lending professionals in our Fort Wayne, Indiana office. Qualified candidates with a minimum of three (3) years of Commercial Lending experience preferred, including a 4-year college degree in Business or related field normally required. Additional experience may be considered in lieu of degree. CSB offers a competitive compensation and benefits package and a positive, team-oriented work environment. Apply today to see why CSB is a great place to work!

Job Title: Commercial Relationship Manager II
Reports To: Commercial Banking Leader
Supervises: None
Division: Commercial
FLSA Classification: Exempt
Pay Rate: Salary

Position Purpose: The Commercial Banking Relationship Manager II (CRM II) is responsible for implementing and executing a disciplined sales and client service process to develop new, and expand current, commercial banking relationships to fully solve clients' financial needs. Sales goals will be commensurate with position level and experience. The CRM II may also assist with training less experienced CRMs as needed.

Job Requirements

Education: A 4-year college degree in Business or related field normally required. Additional experience may be considered in lieu of degree.

Experience: A minimum of three to five (3-5) years of commercial lending experience required.

Skills: Professional verbal and written communication skills; ability to type at least 30 wpm; proficiency with Microsoft Office software such as Word, Excel, PowerPoint, and Outlook; fluent communication in the English language; ability to create thorough, accurate, and professional-level written client presentations; ability to travel frequently to various client and bank locations as needed.

Essential duties include, but are not limited to

CSB Cultural Expectations

• Commit to learning, integrating, and modeling CSB's "I CREATE" core values: Integrity, Communication, Respect, Encouragement, Accountability, Trust, and Equality
• Align to bank-wide vision, mission, and business objectives
• Commit to continuous personal and professional growth in the areas of teamwork, client service, and job specific competencies

General Expectations

• Develop and expand both current and new commercial banking relationships.
• Maintain existing client relationships by providing ongoing effective and clear guidance to each client in the lender's portfolio.
• Identify commercial banking prospects and pursue converting prospects into new clients.
• Maintain calling records for prospects.
• Meet or exceed scorecard (sales) goals for new loan production, net loan growth, and other deliverables.
• Obtain necessary information, in a timely manner, to assess client needs and financial and business information for use in credit analysis.
• Provide a reasonableinitial assessment of credit risk.
• Monitor existing loan portfolio to ensure the risk grade remains accurate and that loans conform to terms and policy, updating the risk grade as needed.
• Provide action recommendations for resolving marginally performing or delinquent loans.
• Be aware of external market or economic factors influencing a customer's performance and ability to repay.
• Coordinate renewals and client contact with loan admins as needed.
• Assist with credit presentations.
• Practice an exceptional standard of client service/hospitality.
• Master a "client first" approach and encourage it in colleagues.
• Create an observably positive experience for clients.
• Regularly make in-person client visits, both individually and in partnership with colleagues in Commercial and other business lines to increase relationships and gain new business.
• Maintain a strong, visible presence in the community by participating in community events and organizations.
• Maintain awareness of what is required to achieve and maintain profitability for the bank.
• Possess expert knowledge of all CSB products and services, including Retail, Small Business, Mortgage, Commercial, and Treasury Management products and services.
• Exhibit a strong commitment to accuracy and attention to detail all job areas.
• Demonstrate the strong communication skills and practices necessary for interactions with clients, senior management, and colleagues.
• Watch for signs of fraudulent activity in order to protect the bank and clients.
• Process commercial loan requests in an accurate and timely manner.
• Provide in-depth financial consultations to clients to determine which product(s) best meet their needs and provide regular referrals to other business lines when appropriate.

Compliance/Other Duties

• Learn and comply with all applicable banking regulations and related procedures, including Reg CC, Reg B, Reg P, Reg Z, Bank Secrecy Act, etc.
• Other duties as assigned.

Physical Demands

• Frequent sedentary work that primarily involves sitting for extended periods.
• Frequent repetitive motions that include the hands and/or fingers.
• Constant reaching with hands and arms.
• Constant operation of a computer and other office productivity machinery, such as a calculator, copy machine, phone.
• Constant written and verbal communication with others to exchange information.
• Constant state of awake and alertness.
• Occasional stooping, kneeling, or crouching.
• Constantly speaking and listening to coworkers and clients both in person and on the phone.
• Frequent in-person attendance at job site or at other sites for client visits/business development.
• Frequent travel to another branch or client location.
• Occasional lifting of up to 10 pounds.
• Occasional exposure to adverse weather conditions.
• Frequent exposure to moderate office noise levels in a group setting.

Community State Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.