Civista Bank

Description:

Position Purpose:

This multi-incumbent position originates, manages, and oversees the incumbents' portfolio of commercial loans with overall objective of maintaining and increasing its asset quality; to develop new and existing business relationships.

Description of Duties, Responsibilities and Expectations:

• Takes applications for commercial and/or agriculture loan business. Reviews customer financial condition by obtaining credit report and other necessary documents and assesses the customer's ability to re-pay the loan. Makes underwriting recommendations to senior lender. Completes or directs completion of all loan documents and closes loans.

• Participates in developing lending and deposit business for the Bank. Calls on clients to expand existing business; calls on prospects seeking opportunities to expand the Bank's client base.

• Monitors existing loan portfolio to maintain a high-quality asset base. Maintains up-to-date client files including current balance sheets, profit & loss statements, cash flow projections and all loan documentation.

• Collects the standard Bank fees on all loans.

• Assists in collection of past due loans.

• Assists customers with any loan-related questions and concerns.

• To independently manage intermediate or moderately complex business/commercial loan credit underwriting and loan structures.

• To produce assigned loan volume as set annually by your supervisor.

• To ensure and maintain asset quality of loan portfolio.

• To maintain an appropriate delinquency rate of loan portfolio as set by your supervisor/Bank policy.

• To collect the Bank's standard fee income on portfolio loans and the standard fee on loans sold.

• To maintain an acceptable charge-off and delinquency rate as set by your supervisor/Bank policy.

• To insure that lending operations are in accordance with established Bank policy and are legally compliant.

• To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.

Requirements:

Qualifications, Knowledge and Skills:

• Five to seven years of combined credit underwriting, lending, business development and sales experience.

• A college degree generally in finance, accounting and/or banking or equivalent work experience in the banking industry.

• Completion of the first level of Advanced Commercial Lending School, or Graduate Banking School, or Certified Community Lender Certification.

• The ability to motivate or influence others is a material part of the job, requiring a significant level of diplomacy and trust. Obtaining cooperation (internally and/or externally) is an important part of the job.

• Above average experience in analyzing business financial statements and assessing the viability of businesses;

• Solid communication and PR skills;

• Above average computer skills (Word, Excel) and the ability to learn and proficiently use related lending software programs;

• Ability to handle multiple projects with varied deadlines;

• Strong attention to detail/analytical skills;

• Willingness to be involved in civic and/or professional associations,

Demonstrated proficiency at intermediate level of sales skills and abilities for developing new business custom