Commercial Lender

Senior Finance Recruiter @ CivicMinds, Inc | Accounting ESSENTIAL FUNCTIONS: This position assumes responsibility for the following duties: Develop and manage a mid-size to large commercial loan portfolio which includes commercial loans, commercial real estate loans and out-of-market participation loans. Monitors and manages existing credit relationships which includes timely note renewals, delinquency reporting, documentation of exceptions, covenant monitoring, monitoring asset and credit quality and compliance with banking regulations. Grow existing loan portfolio by developing new business relationships and deepening the relationships of existing commercial customers. Analyzes and evaluates credit requests, prepares loan presentations and makes presentations to a Senior Lender or Executive Loan Committee, depending on the size of the credit request. Serves as a Loan Committee member and assists in implementing approval or decline actions in accordance with Citizens Bank Loan Policy. Works independently for the size of credit managed with some oversight needed on more complex credits. Makes customer calls for new business opportunities while maintaining existing business relationships. Promotes and cross‑sells Citizens Bank products and services. Represents the bank through active participation in various community events and professional organizations. Responsible for oversight, compliance and training on a particular regulation(s). Performs other duties as may be assigned or required.

QUALIFICATIONS & SKILLS:

Bachelor’s Degree in Business Administration with a Major in Accounting preferred or Finance or a minimum of 5 - 10 years of related experience and training. Knowledge of finance, accounting, complex credit analysis, commercial loan structures and associated loan documentation. Knowledge and experience with underwriting and servicing of participation loans. Proven ability to communicate verbally and in writing with internal and external customers at various levels of management. Ability to prepare and deliver persuasive oral and written reports and presentations. Strong analytical and problem‑solving skills. Computer skills including proficiency in Microsoft Excel, Microsoft Word, Adobe and Outlook. Seniority level : Mid‑Senior level Employment type : Full‑time Job function : Management and Other Industries : Banking #J-18808-Ljbffr CivicMinds, Inc