County National Bank (CNB) is a community bank that is successful and growing whose mission is to "sustain its deep commitment to the community and to its traditions of excellence in all aspects of banking and to provide outstanding customer 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 am experienced, customer-focused, and enthusiastic individual to join our Commercial Lending Team in Jackson, Michigan.
The Commercial Lender/Officer 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 customers are profitable and well-structured.
Collects and analyzes information which reflects the current creditworthiness of customers 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 customers, when possible, on business management skills and financial matters.
Develops new business by contacting prospects and customers; 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 customers, 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 customer 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.
Ideal Candidates will have:
Bachelor’s degree in Business/Finance is preferred; otherwise, must have a combination of applicable education and experience.
Three to five years active commercial loan experience (credit analyst experience) with a sound understanding of basic credit, lending, and loan administration skills; and the ability to teach these skills to others.
Knowledge of lending law, government rules and regulations, loan documentation requirements.
Passion for providing a stellar customer service experience to all customers (external and internal) and ability to instill this passion in others.
Excellent interpersonal skills (tactfulness, cooperation, courteousness and customer friendliness) are necessary to represent the bank in a positive manner.
Positive and cooperative approach when working with others.
Excellent written communication skills with demonstrated ability to write communications clearly, concisely and effectively, with attention to detail for visually appealing output and accurately proofreading publications.
Excellent verbal communication skills with the demonstrated ability to effectively present information to customers and management.
Strong administrative skills with effectiveness in developing tasks and managing resources to achieve targets/goals.
Ability to maintain confidentiality and handle sensitive information.
Ability to efficiently and accurately keyboard information, both computer and calculator.
Strong computer skills with a proficiency in MS Word, Excel and Outlook.
Communicate effectively, both verbally and in writing.
Keyboard information, both computer and calculator.
Travel to branch and customer locations, as needed
CNB offers a very competitive salary and benefit package, including health, dental and vision insurance options, paid time off, and 401k/Profit Sharing Plan. If you'd like to join the CNB team, please click "Apply" for more information about this position and the application process.
About County National Bank
County National Bank is deeply committed to the communities we serve. Since 1934, we have grown to 12 full-service branches in four counties in south-central Michigan.
As a community bank, we work hard to be a valuable resource for small businesses and individuals alike. Our employees are dedicated to serving our customers, both as representatives of the bank and as members of the community. CNB encourages employees to participate in service organizations and local groups, to be more aware of the unique environment and needs of each customer. Decisions regarding the operation and services offered at CNB are all made locally.
In addition to our commitment to the community, CNB has a history of excellence in banking, consistently providing solid financial performance. With the help of experienced, knowledgeable management and board of directors, we continue to grow. Our dedication to local, excellent banking strengthens the areas in which we live and work and improves the quality of life for those in our community.