Commercial Loan Officer

Commercial Loan OfficerAt Columbus Bank and Trust, our employees are the heart of our story—and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success.Full Time, Salary, Mon-SatSeeking a team oriented, positive and outgoing professional for the Commercial Loan Officer Lending role at Columbus Bank and Trust!What's in it for you?Columbus Bank and Trust Company is focused on a superior employee experience that goes hand in hand with our superior customer experience!All Full-Time employees are eligible for benefits including:Competitive PayPaid time off and paid holidaysMedical/Dental/Vision/Life/Disability/SEP/BonusCareer development/Training/Career coaching/Job shadowingEmployee banking benefits and other discountsAbout UsColumbus Bank and Trust Company is a locally owned, home town bank that originally opened its doors on February 2, 1935 and has remained in local ownership for over 80 years. The Bank has grown substantially in many ways over the past few years. Through this growth we have never lost focus of our customers and the community we serve. Our staff is very active in many civic, church and other local organizations, giving of themselves to keep our community strong.Throughout the years Columbus Bank and Trust Company has remained "Customer Focused, Community Minded and LOCALLY OWNED."Our Mission StatementTo be the locally owned, hometown bank, providing a wide range of exceptional financial services that meet the needs of our customers through our dedicated, knowledgeable and courteous employees.Position DescriptionThe Commercial Loan Officer will act as a relationship manager (RM) to deliver advice and value for business customers. They will enable business customer growth and retention in line with credit and risk strategies. The Agribusiness Loan Officer will "bring the bank to the customer" by connecting business customers with appropriate products including but not limited to, commercial deposit accounts, business planning, treasury services, and credit accounts.Key Accountabilities:Customer Relationship Management: Help customers be successful by understanding customer needs and matching with Columbus Bank solutions. This will be achieved by alignment with "how we will consistently get the work done".Proper use of DirectorProper use of NavigatorProper use of Sales Calling mindset to acquire new customersCollaborationBe respectful of other roles and processesCustomer Personas:The Agribusiness Loan Officer will manage portfolio relationships matching the skills, knowledge, and experience of the RM to the needs of the customers in their geography frameworkDeliver an Uncommon Understanding for customers and providing advice and value based on the customers financial needs and goals by;20% time spent acquiring new business40% time spent growing existing business40% time spent servicing existing businessBe accountable for managing a portfolio of 50 relationships averaging $50M loansBe accountable for managing a portfolio of 50 relationships averaging $50M depositsBusiness Development Activities:Build a portfolio of business customers by delivering advice and value. Build centers of influence (attorney, accountants, and other needed referral sources).RMs will guide, direct and facilitate solutions across all product specialties of the bank for their business customers.Participate and be involved as an active community member.Identify new business customer opportunities and solutions aligned to match customer needs.Oversee portfolio quality focused on growth and retention in line with credit risk.Facilitate product partners and support teams based on customer needs.Negotiate terms and options with customer.Qualify and document opportunities.Set expectations with customer regarding timeline and product document requirements.Leverage technology and tools consistently for data quality.Use sales and prospecting tools and processes, effectively.Cross Functional Working Relationships: Partner with other employees to optimize referral opportunities to meet the needs of the business customer.Compliance: Understand and comply with bank policy, laws, regulations, and the bank's BSA/AML Program, as applicable to your job duties.Complete compliance training and adhere to internal procedures and controls, as required.Report any known violations of compliance policy, laws, or regulations.Report any suspicious customer and/or account activity.Professionalism/Attendance: Exhibit professional behavior and promote positive working relationships at all times. Maintain regular and predictable attendance.Knowledge, Skills, Education and Experience:Bachelor's Degree and/or 5+ years of successful commercial lending relationship management experience.Ability to build and grow a diverse portfolio of business products with growing entrepreneurial businessesCustomer-focused thinkerStrong customer and people relationship skillsProficient credit analysis knowledge and skillsProven experience prioritizing and handling multiple customer relationships at the same time.