Business Banking Officer

About the role

Citizens National Bank has an excellent opportunity available in their local Toledo market for a Business Banking Officer. This position involves prospecting, originating, processing, and evaluating new business loans, closing loans, and maintaining and servicing an existing portfolio. Additionally, the Business Banking Officer develops robust relationships with an emphasis on commercial loans and deposits, as well as Treasury Management products and services. They represent the bank in the local community through active participation in community affairs and participate in marketing all of the bank's products and services.

Responsibilities

• Source and develop commercial loan requests and deposits for new and existing customers through regular outside sales calls.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and promoting all bank products and services.
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or work closely with Credit Analyst for verification and recommendation.
• Negotiate terms, structure loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required.
• Correspond with, counsel, and keep individuals apprised of loan application status.
• Ensure loan agreements are complete and accurate according to policy, close loans.
• Support the bank's relationship banking culture through on-going customer contact, quality customer service, and superior product knowledge.
• Promote favorable image of the financial institution in all business activities within the community.

Requirements

• Bachelor's Degree in Business, Finance, or related field.
• Two years experience in a financial institution or loan setting is preferred.
• Previous sales experience.
• Basic understanding of financial institution policies and procedures.
• Stellar written and verbal communication skills.
• High level of professionalism.
• Credit Training is required.
• Proficiency in computer software such as Word, Excel, and Outlook.
• Maintain a well-developed working knowledge of the bank's products and services, along with the applicable regulations and operating systems.
• Able to manage multiple priorities and meet deadlines.