Researches and examines credit risks, assess credit history, to determine the creditworthiness of existing and potential bank customers
Manages a commercial loan portfolio, which includes renewal of maturing loans, cross sell banking solutions
Conducts analysis of financial statements
Makes recommendation for commercial loan transactions and assist loan officers in writing loan requests
Assists in the renewal and collection of loans
Assists in the maintenance and organization of credit files
Keeps abreast of new developments in the field of commercial lending and changing government regulations
Delivers exceptional customer service consistently to all business lines; maintains positive and productive working relationships with all internal and external customers.
Adheres to all policies, procedures, processes, bank’s practices, guidelines, expectations, laws, and regulations.
Exceeds all established position’s goals, objectives, production, quality metrics, and expectations.
Demonstrates consistent professional appearance, image, ethics, integrity, demeanor, and represents the CTB Brand.
Leads initiatives, add value, supports the Bank’s vision, core values, business principles, goals, and objectives
Performs other duties and tasks as assigned
Bachelor’s degree in finance, accounting, economics, business administration or related field
Minimum three to five years of commercial underwriting experience in a banking environment
Working knowledge of commercial loan underwriting in banking environment with sound understanding of credit worthiness
Excellent quality customer service and telephone skills with the ability to provide positive customer experiences and establish positive and productive working relationships across business lines in a manner that enhances the overall working environment.
Must be able to maintain positive composure and consistently demonstrate professional appearance, image, demeanor, and represents the CTB Brand.
Proficient using advanced Microsoft Excel (formulas, graphs, spreadsheets, tables, etc.); working with experience with Microsoft Office, FISERV, other related loan and core banking processing systems.
Excellent communication skills and detailed-oriented with ability to communicate clearly, concisely, tactfully, and effectively.
Ability to query reports, create letters, effective written communications, & reports, read, analyze, and interpret commercial, consumer, and real estate loan documents and reports.
Ability to effectively present information and respond to questions, inquiries, and concerns from customers, employees, and others.
Ability to solve practical problems and deal with a variety of concrete variables in situations.
Ability to define problems, collects data, establish facts, draw valid conclusions, and make recommendations to increase efficiency.
Exceptional time management and creativity with the ability to analyze workflow, demonstrate a sense of urgency, and set priorities to meet deadlines.
Ability to calculate figures, amounts, ratios, formulas, compute interest, discounts, fees, etc.
Ability to work in a fast paced, high volume environment, demonstrate self-control and adaptable to changes.
Ability to take initiative, learn quickly, use good judgment, makes sound business decisions, comprehend, follow directions, and instructions.
Ability to produce accurate and organized work with minimal supervision.
Good presentation, planning, interpersonal, relationship building, organizational, and mathematical skills.
Ability to effectively handle and maintain confidential matters and information in a trustworthy manner.
Must be a responsive self-starter who is self-motivated with the ability to produce results, meet all established goals, objectives, and expectations, and comply with all bank policies, procedures, regulations, guidelines, and laws.
Ambitious and assertive team player with a strong work ethic, high integrity, positive behavior, with the ability to work both independently and effectively with others.
Excellent analytical, technical, problem resolution and negotiation skills.
Strategic thinker with excellent project management and leadership skills.
Ability to maintain a proactive approach to assignments and multi-task oriented.
Ability to comply with established work schedule and lift up to 25 pounds.
Must be flexible, resourceful, and energetic with competitive and winning spirit.
Ability to work through situations and find win-win solutions.
About Citizens Trust Bank
Citizens Trust Bank is an Equal Employment Opportunity/Affirmative Action Employer offering competitive compensation, comprehensive employee benefits and opportunities for career development and advancement. We are committed to investing in our employees, cultivating a rewarding professional team and results-oriented work environment that is based on respect, accountability, and high quality performance.
Citizens Trust Bank prides itself on offering a full-range of quality banking solutions throughout metropolitan Atlanta, and Columbus, Georgia, Birmingham and Eutaw, Alabama markets. Since its inception, the Bank has remained dedicated to the growth and development of communities through superior banking solutions and extraordinary service.
As an institution of excellence, celebrating over 93 years of success, Citizens Trust Bank continues to champion its commitment to offering customers viable banking solutions with first-class customer service to meet their growing business needs. Delivering on that promise, we continue to be sound and strong and it is our goal that our customers and associates are too.
If you are interested in the position below and meet the qualifica...tions and requirements, please apply at www.ctbconnect.com. Additionally, if you have any questions, please contact Asziree M. Thompson at 404-575-8262.