Company: Civista Bank
Posted on: August 7, 2022
The Commercial Lender 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. Demonstrates Civista Bank's
mission to improve the financial lives of our employees and
shareholders to make a difference in the communities that we
Key Accountabilities, 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
--- 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
--- To independently manage intermediate or moderately complex
business/commercial loan credit underwriting and loan
--- To produce assigned loan volume as set annually by your
--- 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.
Qualifications, Knowledge and Skills:
Four to six 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
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
Demonstrated proficiency at intermediate level of sales skills and
abilities for developing new business customer relationships.
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.
Keywords: Civista Bank, Toledo , Commercial Lender, Other , Sandusky, Ohio
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