Community Banker

The Citizens Bank; Biloxi, Northern (MS, KY); Hybrid; USD 55,000 - 75,000; Full time

Job summary

The Citizens Bank is seeking a Community Banker in Biloxi, MS to proactively build relationships with clients and support underwriting, structuring, and closing loans while expanding deposit relationships.

Located in Biloxi Cedar Lake, the role reports to the Regional President and emphasizes superior customer service, cross-selling bank products, and maintaining active involvement in local community affairs.

Qualifications

• 3–5 years' experience in lending in an FDIC-insured financial institution.
• Broad banking knowledge including credit analysis and loan documentation systems.
• Excellent verbal and written communication; strong customer service and sales background.
• Proficient in Microsoft Office and PC applications.

Responsibilities

• Develop new business through underwriting, structuring, and closing of loans and servicing a portfolio.
• Solicit, negotiate and coordinate loan closings in compliance with policies and regulations.
• Maintain collection efforts of delinquent loans and monitor loan portfolio risk.
• Promote banking products and refer clients to appropriate staff for additional services.
• Develop business and consumer checking and deposit relationships with clients.
• Present credits for approval to appropriate levels of authority and represent the bank in the community.

Skills

Relationship building

Underwriting

Credit analysis

Verbal and written communication

Sales experience

Tools

Microsoft Office

Job description

Position : Community Banker

Location : Biloxi Cedar Lake

Reporting To : Regional President

About the Position

A proactive relationship builder that assistsbank clients and provides excellent support throughout the process of underwriting, structuring and closing of loans and developing deposit relationships.

About the Opportunity

The Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work. Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves. Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions. Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide. We're different. We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people. Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE.

Essential Duties

Develop new business, through the underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio. Solicit, negotiate and coordinate the closing ofloans in compliance with the bank's lending policies and procedures as well as applicable Federal and State regulations. Maintain collection efforts of delinquent loans within the officer portfolio. Monitor existing loan portfolio to ensure proper risk ratingsand early identification of potential problems. Promote business for the bank by maintaining good client relationships and referring clients to appropriate staff for additional services. Maximize bank profitability through appropriate pricing of new loans, fee income and selling of all bank products and services. Develop business and consumer checking and deposit relationships with clients. Present credits for approval to appropriate levels of authority within the bank as required. Represent the bank in local community through active participation in community affairs. Other duties as required by supervisory personnel.

The Right Person

3-5 years' successful experience in Lending rolein an FDIC Insured Financial Institution or similar work environment

Broad Banking Knowledge, includingcredit analysis andloan documentation systems

Exceptional Verbal and Written Communication Skills

Exceptional Customer Service and Sales Background

Extensive Knowledge/Use of Microsoft Office and other PC applications

VEVRAA Federal Contractor