Community Banker

The Citizens Bank; Mississippi; On-site; USD 50,000 - 70,000; Full time

Job summary

The Citizens Bank is seeking a Community Banker in Collinsville, Mississippi. The role involves developing and managing client relationships, underwriting loans, and ensuring compliance with regulations.

The ideal candidate will have 3-5 years of lending experience, broad banking knowledge, and exceptional communication skills. This position offers the opportunity to build a meaningful career in a community-focused bank.

Qualifications

• 3-5 years' successful experience in Lending role in an FDIC Insured Financial Institution.
• Broad Banking Knowledge, including credit analysis and loan documentation systems.
• Exceptional verbal and written communication skills.

Responsibilities

• Develop new business through underwriting, structuring, and closing loans.
• Solicit and negotiate the closing of loans in compliance with policies.
• Promote business by maintaining good client relationships.

Skills

Lending experience

Credit analysis

Customer service

Sales background

Microsoft Office

Job description

• Position: Community Banker
• Location: Collinsville
• 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 of loans 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 ratings and 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 role in an FDIC Insured Financial Institution or similar work environment
• Broad Banking Knowledge, including credit analysis and loan 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