Business Banking Officer

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: 

• Source and develop commercial loan requests and deposits for new and existing customers through regular outside sales calls.
• Maximize bank profitability through appropriate pricing of new loan originations, fee income, and promoting all bank products and services. 
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or work closely with Credit Analyst for verification and recommendation. 
• Negotiate terms, structure loan financing based on risk consideration and present credits for approval to appropriate levels of authority with the bank as required. 
• Correspond with, counsel and keep individuals apprised of loan application status.
• Ensure loan agreements are complete and accurate according to policy, close loans. 
• Support the bank's relationship banking culture through on-going customer contact, quality customer service and superior product knowledge. 
• Promote favorable image of the financial institution in all business activities within the community.
• 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. 
• Complies with all bank, state and federal policies, procedures and regulations.

JOB REQUIREMENTS:

• Bachelor's Degree in Business, Finance or related field

ADDITIONAL QUALIFICATIONS:

• Two years experience in a financial institution or loan setting is preferred
• Previous sales experience
• Basic understanding of financial institution policies and procedures.
• Must have stellar written and verbal communication skills.
• High level of professionalism
• Credit Training is required.
• Proficiency in computer software such as Word, Excel, and Outlook
• Must maintain a well-developed working knowledge of the bank's products and services, along with the applicable regulations and operating systems. 
• Must have the ability to manage multiple priorities and meet deadlines. 

WHAT'S GREAT ABOUT WORKING AT CITIZENS NATIONAL BANK?

• Uncapped monthly incentive!! Annual fee income bonus!
• Medical, Dental, and Vision Insurance
• Company Paid Life Insurance 
• Company Paid Short Term & Long Term Disability 
• Generous Paid Time Off including Vacation, Sick, Personal, and Emergency Time
• 11 Paid Holidays
• Incentive Plan paid on a quarterly basis
• Employee Stock Ownership Plan for your retirement
• Banking Perks 

Citizens National Bank is an Equal Opportunity Employer of women, minorities, protected veterans and individuals with disabilities.