Job Title: Business Banking Officer
Location: Lima, OH
Status: Full Time
FSLA Job Class: Exempt
Department: Commercial Loan Sales
Reports To: Local City President
As a Business Banking Officer, you'll play a key role in helping businesses achieve their financial goals through tailored lending, deposit, and Treasury Management solutions. You'll develop meaningful client relationships, identify growth opportunities, manage a portfolio of commercial clients, and serve as an ambassador for CNB in the community we proudly serve. If you're a results-driven professional who enjoys connecting with people and making a lasting impact, we'd love to hear from you.
A typical day may include the following:
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Source and develop commercial loan requests and deposits for new and existing customers through regular outside sales calls.
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Maximize bank profitability through appropriate pricing of new loan originations, fee income, and promoting all bank products and services.
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Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or work closely with Credit Analyst for verification and recommendation.
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Negotiate terms, structure loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required.
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Correspond with, counsel and keep individuals apprised of loan application status.
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Ensure loan agreements are complete and accurate according to policy, close loans.
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Support the bank's relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
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Promote favorable image of the financial institution in all business activities within the community.
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This position requires travel to outside offices/locations at times to meet with management, staff and others, however on-site presence is also necessary for regular, successful performance.
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Complies with all bank, state and federal policies, procedures and regulations.
JOB REQUIREMENTS:
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Bachelor's Degree in Business, Finance or related field
ADDITIONAL QUALIFICATIONS:
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Two years experience in a financial institution or loan setting is preferred
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Previous sales experience
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Basic understanding of financial institution policies and procedures.
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Must have stellar written and verbal communication skills.
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High level of professionalism
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Credit Training is required.
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Proficiency in computer software such as Word, Excel, and Outlook
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Must maintain a well-developed working knowledge of the bank's products and services, along with the applicable regulations and operating systems.
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Must have the ability to manage multiple priorities and meet deadlines.
WHAT'S GREAT ABOUT WORKING AT CITIZENS NATIONAL BANK?
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Uncapped monthly incentive!! Annual fee income bonus!
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Medical, Dental, and Vision Insurance
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Company Paid Life Insurance
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Company Paid Short Term & Long Term Disability
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Generous Paid Time Off including Vacation, Sick, Personal, and Emergency Time
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11 Paid Holidays
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Incentive Plan paid on a quarterly basis
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Employee Stock Ownership Plan for your retirement
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Banking Perks
Citizens National Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.
