Commercial Lender

County National Bank (CNB) is an independent, locally owned, community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and its traditions of excellence in all aspects of banking and 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 qualified, motivated, and client- and team-focused individual to join our team as a Commercial Lender for our new Loan Production Office in East Lansing, Michigan.

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.

• 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’s visibility and to enhance new business opportunities.
• Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services.
• Counsels with and assists in the training and development of commercial credit analyst, as needed.
• Undertakes special projects relating to departmental services.
• Closes loans and is responsible for proper documentation.
• Maintains commercial loan files; including required filing.
• Keeps abreast of local and national economic, financial, political and legislative events and climates which could impact bank lending activities.
• Follows up on business manager program and supervises and reports to senior lender on business manager activity.
• Implements new work procedures and systems to accomplish planning and bank development objectives more efficiently, as needed.
• Advises and assists department officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.
• Maintains extensive contact with clients, the public and the community to enhance the overall marketing effort of the bank.
• Participates with community organizations and in community projects, as needed.
• Maintains and protects confidentiality of client information.
• Maintains regular, on‑time attendance.
• Remains current in assigned training and continuing education for designation retention (online, video, in‑house emails, telephone seminars, etc.)
• Complies with all regulatory requirements including Bank Secrecy Act and all others specific to their position.
• Performs other various duties as assigned.

Sometimes the responsibilities of the officer role have been implied, or an example is set by the supervisor. To better clarify the role of a CNB Officer, the following has…