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Citizens Community Bank · 1 day ago

Commercial Lender

Twin Falls, ID

Full-time

Onsite

Senior Level

5+ years exp

Citizens Community Bank is a dynamic and growing community bank dedicated to providing exceptional financial services. The Commercial Lender is responsible for business development and managing a portfolio of commercial banking relationships while ensuring compliance with regulations and bank policies.

BankingConsultingFinancial Services

No H1B

Responsibilities

Meet or exceed loan production goal as set annually by manager in conjunction with goals set for Citizens Community Bank annual production

Obtain loan applications and interview clients. Analyze financial and related data to determine credit worthiness, appropriate pricing and loan structure while focusing on prompt and fair service regardless of approval or denial

Confirm details on loan documentation are complete and correct prior to closing to ensure accuracy and are in compliance with state and federal regulations as well as bank policy. All credit reports, financial statements, tax returns, title insurance commitments and appraisals are reviewed prior to closings. All supporting documentation is in the file and initialed

Monitor loan delinquency and proactively identify credit problems. Manage loan accounts for current documentation, performance, and total bank relationship. Respond to exception and compliance error reporting promptly to prevent or minimize potential losses

Keep current on loan programs and lending (federal and state) regulations as well as all compliance and bank policies and procedures. Participate in the preparation and presentation of commercial training sessions

Assist and respond to new loan requests in a timely manner by approving, declining (if within lending limitations) or submitting recommendation to loan committee. Assist as needed, in processing requests from CCB commercial lenders

Sales: Meet or exceed loan production goal for the department as set annually by Regional Lending Manager

Has open communications with Regional Lending Manager through sharing and accepting suggestions and ideas. Promote team efforts in all areas. Adjustments to change are made as necessary while maintaining a positive attitude

Prepare month-end reporting requirements in timely fashion

Regular, on-site attendance during standard business hours is required to perform the duties of this position

Regular and predictable attendance in order to accomplish assigned job duties

Additional duties as assigned

Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of CCB

Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers (all organization personnel)

Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

Must complete the assigned online training courses and achieve a passing score by due date

Represent in a professional manner which includes a professional image, confidentiality, a positive attitude, good attendance, punctuality, flexibility and adaptability in meeting bank and customer needs

Qualification

Commercial lending experienceAttention to detailOrganizational skillsCustomer serviceTime managementTeamworkBasic computer skillsEffective communication

Required

High school diploma or equivalent required

Minimum 5 Years Commercial lending experience

High degree of attention to detail as well as excellent organizational skills to perform in a fast-paced environment

Must have ability to prioritize and organize heavy workloads and demonstrate effective time management skills

Must have the ability to work in a professional manner and consistently demonstrate courtesy, customer service, and tact in a fast-paced/deadlines-oriented environment

Ability to work quickly and accurately: perform effectively under pressure; meeting multiple and sometimes competing deadlines and make decisions based on regulations, company policies, knowledge, and experience

Ability to work both independently and in a team environment

Ability to understand and follow complex written and oral instructions

Ability to communicate effectively verbally and in writing

Basic computer skills