County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and provide outstanding client service and solid financial performance."
We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities.
CNB is looking for an experienced, motivated, and client- and team-focused individual to join our team as a Commercial Lender ON-SITE in our Jackson market.
JOB SUMMARY
The Commercial Lender is responsible for developing and managing commercial loan accounts that meet established lending requirements with their loan authority (per the CNB Loan Policy) and provide maximum profitability to the bank with minimum risk.
DUTIES
- Interviews loan applicants and collects and analyzes financial and related data in order to determine the general creditworthiness of the prospect and the merits of the specific loan request.
- Establishes, and negotiates where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements.
- Approves loans as per the CNB Loan Policy and serves as a contact officer on loans above this limit.
- Ensures that loans to existing and new clients are profitable and well-structured.
- Collects and analyzes information which reflects the current creditworthiness of clients and the current merits of existing loans.
- Monitors loan repayment activities and takes necessary action to collect from past due accounts.
- Assists clients, when possible, on business management skills and financial matters.
- Develops new business by contacting prospects and clients; and cross-sells other bank services.
- Serves as a member of various committees including Loan, Watch, ALCO, Compliance, and/or Marketing.
- Develops material for and makes loan presentations to the Loan Committee and Board when required.
- Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities.
- Serves as a contact officer for non-borrowing accounts and loan clients for matters relating to other bank services.
- Counsels with and assists in the training and development of commercial credit analyst, as needed.
- Undertakes special projects relating to departmental services.
- Closes loans and is responsible for proper documentation.
- Keeps abreast of local and national economic, financial, political and legislative events and climates which could impact bank lending activities.
- Follows up on business manager program and supervises and reports to senior lender on business manager activity.
- Implements new work procedures and systems to accomplish planning and bank development objectives more efficiently, as needed.
- Advises and assists department officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.
- Maintains and protects confidentiality of clients information.
- Maintains regular, on-time attendance.
- Remains current in assigned training and continuing education for designation retention.
- Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
- Performs other various duties as assigned.
CONTACT WITH OTHERS – INTERNAL
- Communicates on a regular basis with loan department, new accounts, and audit staff.
- Communicates on a regular basis with branch staff on commercial loan requests and calling on clients.
- Communicates periodically with Senior Loan Officer in setting loan policy and pricing, as needed.
CONTACT WITH OTHERS – EXTERNAL
- Communicates on a regular basis with new and existing clients.
- Communicates periodically with correspondent banks on participation loans.
- Communicates periodically with SBA, USDA and FSA on government guarantee loans.
- Communicates with credit agencies, attorneys and accountants regarding clients.
SKILLS
- Bachelor’s degree in Business/Finance is preferred; otherwise, must have a combination of applicable education and experience.
- Three to five years active commercial lending experience with a sound understanding of basic credit, lending, and loan administration skills.
- Knowledge of lending law, government rules and regulations, loan documentation requirements.
- Passion for providing a stellar client service experience to all clients.
- Excellent interpersonal skills necessary to represent the bank in a positive manner.
- Positive and cooperative approach when working with others.
- Excellent written communication skills with demonstrated ability to write clearly and concisely.
- Excellent verbal communication skills with the demonstrated ability to effectively present information to clients and management.
- Strong administrative skills with effectiveness in developing tasks and managing resources to achieve targets/goals.
- Ability to maintain confidentiality and handle sensitive information.
- Strong computer skills with a proficiency in MS Word, Excel and Outlook.
WORKING CONDITIONS
- Works in a normal office environment.
- Travel between branch and client locations, as needed.
PHYSICAL REQUIREMENTS
- Communicate effectively, both verbally and in writing.
- Keyboard information (computer and calculator).
- Travel to branch and client locations, as needed.
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