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 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:
Pay Transparency Nondiscrimination Provision: https://www.dol.gov/agencies/ofccp/posters
Equal Opportunity Employer EEOC M/F/D/V
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.
Please see job description
PI199157032
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