# Commercial Lender at Civista Bank in Sandusky, Ohio,…

> Source: https://confidential.careers/job-detail/commercial-lender-civista-bank-sandusky

# Commercial Lender

Civista Bank 

** Sandusky, Ohio, United States ** Full Time ** Finance Jobs ** United States 

[Apply Now](https://confidential.careers/go/1351278) ** Save 

## Job Description

**Civista Bank**

Description: 

**Position Purpose:**

The Commercial Lender is responsible for managing and growing a diverse portfolio of commercial loans. They are responsible for knowing all aspects of loans including C&I, CRE, Construction, Lines of Credit, Letters of Credit and other complex loans. Responsibilities include building and maintaining strong relationships, identifying new business opportunities, and driving commercial loan business, revenue and deposit growth.

**Description of Duties, Responsibilities and Expectations:**

**Commercial Lending**

- Develop and manage a commercial loan portfolio.
- Interview customers to determine loan requirements and gather necessary information for loan applications.
- Analyze financial statements and other relevant data to recommend the best lending solutions based on customer needs and financial capabilities.
- Evaluate creditworthiness and present well-structured lending proposals
- Offer tailored financial solutions to meet customer objectives, while enhancing customer satisfaction and retention.
- Develop customized loan proposals and present them to customers to secure new business and maintain existing relationships.
- Follow up on pending loan deals and loan renewals.
- Provide updates on portfolio performance, new business, and market developments to senior leadership.

**Risk Management**

- Monitor loan performance, ensuring risk is appropriately managed and financial objectives are met.

**Business Development & Relationship Management**

- Identify new business opportunities and develop strategic partnerships across the region to drive loan growth and revenue with an emphasis on C&I lending opportunities.
- Establish and maintain strong relationships with existing and potential customers by understanding their business needs, goals, and long-term strategies.
- Prospect for new customers, expanding the Bank's market share.
- Leverage industry contacts and existing relationships to enhance revenue generation and achieve sales goals.
- Proactively identify opportunities to cross-sell additional products and services.
- Engage in industry forums or business networks to increase brand awareness and build relationships with key influencers and decision-makers.

Requirements: Qualifications, Knowledge and Skills:

**Knowledge Of:**

- Commercial lending industry, processes, policies, and portfolio management.
- Commercial and consumer lending regulations and compliance and other regulatory required reporting and practices.
- Regulatory and Compliance practices applicable to commercial lending.

**Ability To:**

- Use Microsoft Office 365 suite including Excel, Word, PowerPoint, Outlook and Teams.
- Operate the Bank's financial software to access customer accounts and manage new and existing loan deals.
- Identify and analyze Commercial Customer business documents and navigate lending decisions
- Independently network to build and establish business customer relationships.
- Communicate professionally and effectively verbally and in writing and present complex financial information to clients and senior leadership.

**Required Education and Experience:**

- Minimum 4 years of experience in Commercial Business Lending & Business Development or Credit Analyst role.
- A college degree in Finance, Management or equivalent.

Proven track record of establishing relationships and driving business and revenue growth while managing risk.

**Physical Requirements:**

- Work involves eye strain due to the constant use of computer screens, reading reports, documents, and so forth.
- Work involves reading, hearing, speaking, listening, typing and ability to communicate in a professional manner, in person, via telephone and via email.
- Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
- Work involves lifting and moving files or equipment of up to 40 lbs.
- Work involves some travel to attend meetings, training, and so forth.

**EOE - Race/Sex/Disability/Veteran**
**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.** 

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