Relationship Mgr/Com. Loan Officer I

Position Overview:

The perfect candidate will have a passion for supporting Women Owned Small Businesses across all of our locations and act as a resource and advocate for women entrepreneurs, connecting them with relevant resources and technical assistance. This position, actively develops and interviews commercial loan applicants and makes credit recommendations. Processes loan applications, prepares appropriate documentation, maintains customer relationships, and manages a portfolio of commercial loans. Manages the loan throughout its term.

Primary Duties:

Business Development:

• Actively develops commercial loan portfolio.
• Markets bank products to individuals and firms, promoting bank services that may meet the customer's needs.
• Works with clients to identify their financial goals and to find ways of reaching those goals.
• Participate in community initiatives and networking events to promote the bank's services and build connections with women entrepreneurs and support organizations.
• Works closely with Business Development Officers to support the Bank's Women's Initiative- to support women owned small businesses

Relationship Management:

• Maintains customer relationships and manages a portfolio of commercial loans.
• May assist with or coordinate collection efforts, facilitate the resolution of customer problems, and engage products experts as needed
• Develop and maintain strong relationships with women entrepreneurs, understanding their business needs and challenges

Loan Origination/Documentation:

• Meets with applicants to obtain information for loan applications and to answer questions about the process.
• Analyzes applicant financial status, credit and property evaluations to determine feasibility of granting loans.
• Submits applications to credit analysts for verification and recommendation.
• Structures loans within loan policy and reviews documentation prior to closing for completeness.

Loan Management:

• Stays abreast of new types of loans and other financial services and product to better meet customer's needs.
• Monitors loan portfolios, managing collections and resolving loan exceptions
• Provides special services such as investment banking for clients with more specialized needs.
• Ensures timely loan closings and funding activities

Compliance:

• Ensures compliance with banking regulations and Citizens State Bank internal policies

Education and Experience:

• Passion for supporting women entrepreneurs, with a genuine interest in empowering women owned businesses and contributing to their success
• Excellent Relationship Building skills, with the ability to build long-term relationships with clients
• Bachelor's degree in business, finance or equivalent related field experience preferred.
• Minimum of two years loan experience.
• Strong knowledge of commercial products, credit policies, procedures and terminology
• Strong understanding of financial analysis and loan underwriting
• Excellent verbal and written communication skills, with the ability to present and explain financial information effectively

Citizens State Bank also offers the following benefits:

• Medical, Dental, Vision, Health Savings account
• Employer paid life insurance
• Wellness incentives with rewards $$, Health Savings Employer match, Health Reimbursement accounts
• Short- and Long-Term disability (employer paid after 1 year)
• 401K retirement savings with employer match
• Employee Relief Fund
• Tuition reimbursement
• Employee Assistance Program
• Company Logo Wear
• Paid Time Off, Holidays, Volunteer, Bereavement

Citizens State Bank is an equal opportunity employer and does not discriminate against any employee or applicant for employment because of race, color, sex, pregnancy, religion, national origin, ethnicity, citizenship, sexual orientation, gender identity, age, marital status, physical or mental disability, genetic information, military status, or protected veteran status. Citizens State Bank complies with all applicable state, federal and local laws, regulations and ordinances prohibiting discrimination. Citizens State Bank is committed to taking affirmative steps to promote the employment and advancement of minorities, women, persons with disabilities and protected veterans.