Commercial Lender-Port Clinton

7 days ago

Port Clinton, United States First National Bank Full time
Job DescriptionJob DescriptionDescription:

First National Bank was founded almost 150 years ago in 1875. We are committed to being your "Bank of a Lifetime".


Job Title: Commercial Lender

Reports to: Chief Lending Officer

Job Type: Full Time

Position Overview: Responsible for the overall performance of the bank’s commercial loan portfolio and for developing new and maintaining existing commercial business. Analyzes loan requests and approves or prepares materials for loan decisioning based on all laws, regulations and bank policies and procedures. Provides guidance and directions to existing lending personnel to develop skills and knowledge.

Primary Responsibilities:

• 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.

• Monitors commercial loan repayment activities and takes necessary action to collect delinquent accounts.

• Develops new business by contacting prospects and existing clients; and cross-sells other bank services.

• Develops material for and makes loan presentations concerning commercial loans to the Chief Lending Officer, President and/or Board of Directors Loan Committee

• Advises and assists department officers, and staff in their respective functions associated with the areas for which he or she has direct responsibility.

• Counsels with and assists in the training and development of other lending personnel.

• Ensures the protection of the bank’s interest in matters of adequate documentation and adherence to bank policy and the various laws and regulations applicable to departmental operations as well as the exercise of sound credit decisions in the credit department.

• Analyzes the allowance for bad debts in conjunction with other lending personnel and presents analysis to the Chief Lending Officer, President and/or Board of Directors on a quarterly basis.

• 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.

• Supports bank management during business, offering solutions and recommendations positively and professionally to the appropriate personnel for review and possible implementation.

• Takes all steps necessary to meet excellent customer service demands whenever and wherever necessary in the credit area.

• Participates in community affairs and organizations to increase the bank’s visibility and to enhance new business opportunities.

• Keeps abreast of local and national economic, financial, political, and legislative events and climates which could impact bank lending activities.

• Closes loans and is responsible for proper documentation.

• Maintains commercial loan files, including required filing.

• Maintains extensive contact with clients, the public and the community to enhance the overall marketing effort of the bank.

• Maintains and protects confidentiality of client’s 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.

• Assumes other responsibilities and duties as may be assigned at the discretion of the Chief Lending Officer and/or President.


Requirements:

Education and Experience: Three or more years of commercial lending experience or 5 years of banking and/or lending. A.B.S. or B.A. or B. S. degree in a related field of study preferred. Thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations; ability to analyze and interpret financial statements; visual and auditory skills. Outstanding communication and interpersonal abilities. Proficient reading, writing, grammar, mathematics skills and word processing and spreadsheet skills. Excellent interpersonal relations and oral and written communicative skills. Excellent organizational and multi-tasking skills.

Physical Requirements: This position requires a high degree of mobility. May be subject to prolonged sitting/standing, frequent use of hands and upper body to manipulate/grasp objects/branch equipment, ability to communicate face to face and on the phone with clients, occasional bending and lifting from floor height, frequent forward reach, lifting of 1 – 15 lbs. Must be able to travel by vehicle to customer locations/branches/meetings/seminars, and so forth.

Benefits: First National Bank offers benefits depending on your employment status. Our full-time employee benefits include: 401k with company match, Medical/Prescription coverage, HSA option, Vision and Dental options, Life insurance options including a company paid life insurance, Short and Long term disability, paid holidays, PTO, tuition reimbursement, Wellness programs and potential for profit-sharing and bonuses.

Wages: Wages commensurate with experience

First National Bank is an equal opportunity employer.

  • Commercial Lender-Port Clinton

    1 day ago

    Port Clinton, United States First National Bank Full time

    Job Type Full-time Description First National Bank was founded almost 150 years ago in 1875. We are committed to being your "Bank of a Lifetime".Job Title: Commercial Lender Reports to: Chief Lending Officer Job Type: Full Time Position Overview: Responsible for the overall performance of the bank's commercial loan portfolio and for developing new and...

  • Port Clinton Evening Cleaner

    7 days ago

    Port Clinton, United States Clean Team Full time

    Job DescriptionJob DescriptionNeed Extra Money !!!Great 2nd Job !!!Be a part of the solution with Clean Team Clean Team is a growing company in need of cleaners/janitors for Offices in the following areas: Port Clinton/Oak Harbor Ohio. Start times are FLEXIBLE & we can bundle accounts as well.Current Openings Recap:Monday-FridayJob Essentials:DustingSweeping...

  • Port Clinton Evening Cleaner

    7 days ago

    Port Clinton, United States Clean Team Full time

    Job DescriptionJob DescriptionNeed Extra Money !!!Great 2nd Job !!!Be a part of the solution with Clean Team Clean Team is a growing company in need of cleaners/janitors for Factor or Offices in the following areas: Port Clinton, Ohio. Hours generally start after 9pm and goes to Midnight. We offer 15-25 hours a week and a decent amount of pay for a decent...

  • Hospitalist - Locums - Port Clinton, OH

    Found in: beBee S US - 2 weeks ago

    Clinton, United States MPLT Healthcare Full time

    Hospitalist Location: Port Clinton, OH MPLT Healthcare is looking for physicians who Understand the Urgency, Never Give Up, and Have the Courage to Excel in the forever changing medical industry! We have numerous opportunities for an experienced Hospitalist with highly competitive pay rates in Port Clinton, OH. Position Details: Board...

  • Physician / Hospitalist / Ohio / Permanent / Hospitalist - Locums - Port Clinton, OH Job

    Found in: Lensa US P 2 C2 - 2 weeks ago

    Port Clinton, United States MPLT Healthcare Full time

    Position: Hospitalist Location: Port Clinton, OH MPLT Healthcare is looking for physicians who Understand the Urgency, Never Give Up, and Have the Courage to Excel in the forever changing medical industry! We have numerous opportunities for an experienced Hospitalist with highly competitive pay rates in Port Clinton, OH. Position Details: Board...

  • Physician / Hospitalist / Ohio / Permanent / Hospitalist - Locums - Port Clinton, OH Job

    Found in: Jooble US O C2 - 1 day ago

    Port Clinton, OH, United States MPLT Healthcare Full time

    Position: HospitalistLocation: Port Clinton, OHMPLT Healthcare is looking for physicians who Understand the Urgency, Never Give Up, and Have the Courage to Excel in the forever changing medical industry! We have numerous opportunities for an experienced Hospitalist with highly competitive pay rates in Port Clinton, OH.Position Details:Board...

  • Building Foreman- Clinton Engineering

    4 days ago

    Clinton, United States McCarthy Bush Full time

    **_A member of the McCarthy-Bush family of companies, Clinton Engineering (CEC) is a full-service general contractor and recognized leader in construction for the Clinton Community and surrounding areas since 1926. Specializing in design-build, new construction, rehabilitation and renovation of commercial, industrial and municipal projects, CEC boasts a...

  • Steel/ Industrial Laborer- Clinton Engineering

    14 hours ago

    Clinton, United States McCarthy Bush Full time

    **_A member of the McCarthy-Bush family of companies, Clinton Engineering (CEC) is a full-service general contractor and recognized leader in construction for the Clinton Community and surrounding areas since 1926. Specializing in design-build, new construction, rehabilitation and renovation of commercial, industrial, and municipal projects, CEC boasts a...

  • Cook Chef

    7 days ago

    Port Clinton, United States COMMODORE PERRY INN Full time

    Job DescriptionJob DescriptionWe are seeking a Cook Chef to join our dedicated kitchen staff! You will assist in the preparation, cooking, and presentation of meals in our professional kitchen.Responsibilities:Prepare all served foodPlan food production to coordinate with meal serving hoursMemorize, record, and comprehend menu items, abbreviations,...

  • Shop Utility Assistant

    14 hours ago

    Clinton, United States McCarthy Bush Full time

    **_A member of the McCarthy-Bush family of companies, Clinton Engineering (CEC) is a full-service general contractor and recognized leader in construction for the Clinton Community and surrounding areas since 1926. Specializing in design-build, new construction, rehabilitation and renovation of commercial, industrial and municipal projects, CEC boasts a...

  • Bank Route Cleaner

    7 days ago

    Port Clinton, United States B and B Maintenance Full time

    Job DescriptionJob DescriptionDescription:Part Time Evening Cleaning Position Available in Port Clinton, OhioEvening Hours, Flexible Schedule, Bi-Weekly Pay, 15 Hours per WeekThe Cleaner is responsible for keeping assigned buildings clean, disinfected, and in an orderly condition.Typical duties include: Dispose of trash and recyclables, high and low dusting,...

  • Hospitalist-Medical Doctor

    Found in: Jooble US O C2 - 1 day ago

    Port Clinton, OH, United States MPLT Healthcare Full time

    Port Clinton, OHMPLT Healthcare is looking for physicians who Have the Courage to Excel in the forever changing medical industry! The benefits of working with MPLT Healthcare include:Flexibility - work when, where and how often you d like to workPaid malpractice insurancePre-paid travel and housing expensesCompetitive compensation paid on a weekly...

  • Commercial Lender

    1 day ago

    Port Lavaca, United States International Bank of Commerce Full time

    IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement...

  • Housekeeping Attendant

    7 days ago

    Port Arthur, United States Cascades at Port Arthur Full time

    Hello, Cascades at Port Arthur in Port Arthur, TX is actively looking to hire a part-time Housekeeping Attendant. At Cascades at Port Arthur, our goal in a skilled nursing facility (SNF) is to provide each patient with top-quality care. We strive to maximize each patient's functional independence to safely discharge her/him to the next level of care. We...

  • Housekeeping Attendant

    6 days ago

    Port Arthur, United States Cascades at Port Arthur Full time

    Job DescriptionJob DescriptionHello, Cascades at Port Arthur in Port Arthur, TX is actively looking to hire a part-time Housekeeping Attendant. At Cascades at Port Arthur, our goal in a skilled nursing facility (SNF) is to provide each patient with top-quality care. We strive to maximize each patient's functional independence to safely discharge her/him...

  • Commercial Roofing Superintendent

    7 days ago

    Clinton, United States Progressive Roofing Full time

    Job DescriptionJob DescriptionProgressive Roofing is a leading provider of commercial roofing solutions, dedicated to delivering high-quality services to our clients. With a strong commitment to excellence and a reputation for reliability, we take pride in our ability to meet and exceed the expectations of our diverse clientele.We are seeking an experienced...

  • HVAC Light Commercial

    7 days ago

    Clinton, United States William H. Metcalfe & Sons, Inc. Full time

    Job DescriptionJob DescriptionOur long established HVAC company is still growing! Become a valuable member of our team. We are looking for an experienced and proven Estimator / Sales person for Light Commercial and Multi-Family new construction projects. The ideal applicant will have experience in:New construction projectsTenant fit outsOffice...

  • Commercial Administrative Assistant

    7 days ago

    Port Lavaca, United States International Bank of Commerce Full time

    IBC Bank successes are the result of an aggressive and innovative attitude. The Bank's "We Do More" philosophy reflects it's dedication to the growth and success of it's employees, customers and communities. IBC bank hires talented, creative and dedicated individuals to help our business succeed. We are a company that values leadership, community engagement...

  • Engineering Manager

    6 hours ago

    Clinton, United States PDS Tech Commercial, Inc. Full time

    Are you passionate about the intersection of innovation and sustainability? Are you a seasoned Engineering Project Manager with a knack for leading-edge solutions? We're seeking a Engineering Project Manage r to join our dynamic team! PDS Tech Commercial, Inc . is recruiting for a looking for a Engineering Project Manager in Clinton, IA Responsible...

  • Buyer

    1 week ago

    Clinton, United States Cardinal Staffing Services, Inc Full time

    Job Description Job Description Cardinal Staffing Services, is immediately hiring for a detail-oriented Purchasing-Buyer in Clinton Township, MI. The Buyer is responsible for purchasing activities. They coordinate the activities involved with goods and services. This includes raw materials, parts, tool, and equipment. Cardinal Staffing Services, is invested...