Commercial Lender

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.