Commercial Lender - Citizens Bank - NM : Job Details

JOB SUMMARY: Develop, underwrite and service medium to more complex commercial loans and commercial loan relationships in the loan portfolio including management of past dues and maturing loans.

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.

Citizens Bank is an equal opportunity employer serving San Juan County since 1905. The Bank focuses on community involvement and developing long-term customer relationships by providing a high level of professional customer service. We highly encourage employees to grow within our company, training opportunities and education are available and we strive to provide a family friendly work environment. We have four branch locations in Farmington along with one each in Aztec and Bloomfield. We offer a benefits package including; medical, dental, vision, life insurance, Aflac, 401k & ESOP to all Full-Time employees along with paid time off (PTO). Citizens Bank is locally owned, with the largest shareholder being its employees.

TO APPLY: