Commercial Lender - (Portage)

County National Bank (CNB) is a community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and to its traditions of excellence in all aspects of banking and to provide outstanding client service and solid financial performance." We invite you to share in our mission and vision as a community banker, making a difference in your community while experiencing excellent benefits and career opportunities. CNB is looking for a client-focused, motivated and qualified individual to join our team in Portage, MI. The Commercial Lender is responsible for developing and managing commercial loan accounts that meet established lending requirements with their loan authority (per the CNB Loan Policy) and provide maximum profitability to the bank with minimum risk. DUTIES Interviews loan applicants and collects and analyzes financial and related data in order to determine the general creditworthiness of the prospect and the merits of the specific loan request. Establishes, and negotiates where necessary, the terms under which credit will be extended, including the costs, repayment method and schedule and collateral requirements. Approves loans as per the CNB Loan Policy and serves as a contact officer on loans above this limit. Ensures that loans to existing and new clients are profitable and well-structured. Collects and analyzes information which reflects the current creditworthiness of clients and the current merits of existing loans by information obtained by direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, etc. Monitors loan repayment activities and takes necessary action to collect from past due accounts, which includes watch list accounts and collection efforts on active charge-off accounts. Assists clients, when possible, on business management skills and financial matters. Develops new business by contacting prospects and clients; and cross-sells other bank services. Serves as a member of various committees; including but not limited to: Loan, Watch, ALCO, Compliance, and/or Marketing. Develops material for and makes loan presentations to the Loan Committee and Board when required. Participates in community affairs to increase the bank

Created: 2024-11-05