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LCNB National Bank · 1 hour ago

Commercial Relationship Manager

Lebanon, OH

Full-time

Hybrid

Senior Level

5+ years exp

LCNB National Bank is seeking a Commercial Relationship Manager to join our Commercial Lending Team supporting the Dayton, Ohio market. This position is responsible for developing new Commercial & Industrial (C&I) and Commercial Real Estate (CRE) business, structuring and closing loans, as well as maintaining and servicing a commercial loan portfolio.

FinanceFinancial Services

Responsibilities

Solicits C&I and CRE applicants from various sources, interviews applicants to determine loan requirements and gather pertinent information for loan applications

Analyzes applicant's financial status, credit, and asset evaluation to determine feasibility of loan request and to look for cross-selling opportunities

Resolves uncertainties relating to customer application information through inquiries with applicants and in partnership with the credit analyst team

Structure loans within loan policy. Recommends approval of loan opportunities to the Commercial Sales Manager and to designated loan personnel per loan policy

Prepares financing proposals consistent with approval for presentation to the applicant

Reviews loan documentation prior to closing for completeness and acceptance by the applicant

Ensures timely loan closing and funding activities

Maintains a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations

Participate in community and professional organizations and events

Manages commercial loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring

Uses experience and sound judgment to plan and accomplish goals

Additional duties as assigned

Qualification

Commercial LendingCredit TrainingLoan StructuringFinancial AnalysisPortfolio ManagementAnalytical SkillsSales SkillsComputer SkillsCommunication SkillsProblem Solving

Required

5+ years of experience in Commercial Lending, with a preference for existing experience within service area. Credit training

Bachelor's Degree in business administration or related area

Ability to generate $8-12 million in new loan growth

Preferred

Ability to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness with limited supervision

Strong written and verbal communication skills

Strong computer skills (Loan Operating Systems, Adobe, Microsoft Windows Office Products, etc.)

Ability to read, analyze, and interpret policies, contracts, credit and financial documents as well as other legal documents as needed

Ability to present, sell and service bank products as well as demonstrate professional knowledge of commercial lending

Strong analytical and mathematical capabilities as well as an understanding of credit underwriting and loan documentation