Position Purpose:
This position is responsible for ensuring the Bank maintains a sound loan portfolio ensuring compliance with all state and federal laws and regulations and Civista Bank lending policies and procedures. The Analyst will review a variety of new and modified commercial loan types in this role - C&I, CRE, SBA, Participations, Swap, and others. Additionally, the Analyst will review documentation for accuracy, completeness, and compliance in both pre-close and post-close while promoting and maintaining a positive internal and external customer relationship.
Key Accountabilities and Expectations:
To maintain regular contact and proper escalation with the Commercial Quality Control Supervisor regarding the status of loans in process, audit requests.Reviews complex commercial loan documentation and related supplements to support business partners, ensuring accuracy and adherence with Bank loan policy and guide.Determines document options and presents options to lenders/documentation specialists as applicable.Embraces change and continuous improvement concept, constantly looking to improve both efficiency and effectiveness of the Quality Control team and their processes.Responds to all requests for information and assistance in a prompt, efficient and friendly manner by relaying information as requested, and follows up on all situations that cannot be handled immediately. Resolves complaints in a reasonable timeframe. Maintain a good working knowledge of all Bank policies and procedures and identify deviations from policy, escalating as appropriate to the Commercial Quality Control Supervisor. Develop deep relationships with business partners, including Lenders, Credit Analysts, and Administrative Assistants to ensure optimal efficiency and effectiveness regarding services provided.To provide accurate, efficient, courteous, prompt, and professional telephone service to all customers and potential customers.To research, respond to customer inquiries and resolve customer complaints/issues in a timely and effective manner.To ensure loan documents and files are complete, accurate and in accordance with Bank loan policy.To track all outstanding loan documents/collateral items to ensure Bank's lien position is obtained.To assist with additional loan operation roles, as requested or necessary.Requirements:Qualifications, Knowledge and Skills:
3-5 years of related loan processing experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of Audit, Legal, Compliance, Financial Analysis, Credit Review, or similar fields.Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.Bachelor's degree in accounting, business, finance, or equivalent experience.A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a sensitive nature. Outside contact becomes important and fostering sound relationships with other entities (customers, vendors, etc.) becomes necessary.Solid working knowledge of banking industry practices relative to bank loan operations with respect to loan products, services, and terminology.Knowledge of commercial, construction, real estate and consumer loan products and processing.Knowledge of related state and federal lending and compliance laws and regulations, and other Bank lending policies.Highly accurate data entry skills and strong level of skill working with a variety of PC and internet applications, including spreadsheets (creating formulas) and the ability to navigate key industry specific Internet sites.Strong multi-tasking, time management, thoroughness, and accuracy skills required.Solid communication and organizational skills with focus on teamwork and cooperation.A high level of confidentiality is required.Ability to work under deadlines with frequent interruption.Physical Requirements:
Work involves eye strain due to the constant use of computer screens, reading of reports, and sitting the majority of the day.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving loan files of up to 20 pounds.PId5389f2427d8-7249
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The Senior Mortgage Lender originates first mortgage loans, promotes the Bank and its lending services to the real estate community referral partners, and helps to identify and serve the community's financial needs. Demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve.
We are looking for mortgage professionals currently working in the field.
Key Accountabilities, Responsibilities, and Expectations:
Travel to solicit first mortgage and home equity loans through referral partners such as realtor, builders, financial planner, insurance agents and attorneys, as well as through community activities and organizations.Meet with customers and prospective customers at various locations.Complete each loan application and all pre-processing functions to include but not limited to obtaining all necessary documentation from prospective clients as determined by bank policy and underwriting guidelines.Inform prospective clients of the bank's underwriting guidelines and applicable government regulations.Screen loan requests based on bank policies and on types of loans offered by the institution.Propose and review various loan options with prospective clients.Research new legislation and regulations that may affect the Bank's residential lending policies. Ensures compliance with new rules by advising senior management and implementing appropriate changes.Answer incoming phone calls and schedule appointments. Communicate complex approvals or denials to the borrower, real estate agent or builder.Distributes market data, rate flyers and general loan information to the real estate community as directed by bank management.Promotes and participates in the bank's special credit programs and other CRA programs. Actively participates in local business and community activities and maintains close contact with local builders, real estate brokers and agents, customers, and prospects. All other duties as assigned and any activities that support the key accountabilities.Qualifications, Knowledge and Skills:
Five + years Mortgage Lending experience in a financial institution or loan office setting.Bachelor's Degree in Business or Finance or three years equivalent work experience.Above average knowledge of banking industry practices, policies, regulations, and laws as it pertains to the mortgage lending area.Solid working knowledge of bank compliance requirements, as well as knowledge and adherence to Fair Lending laws and regulations.Solid computer literacy (Word, Excel) with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas. Ability to become proficient in use of specific software required for position.A high level of initiative, thoroughness, accuracy and organizational skills required.Detail oriented with strong analytical skills.High level of confidentiality required.Solid oral and written communication skills.Ability to manage multiple priorities/projects with varied deadlines.Physical Requirements:
This position requires the Senior Mortgage Lender to be customarily and regularly engaged away from Civista Bank in order to obtain sales.Work involves eye strain due to the frequent use of computer screens, reading of reports, completing documents, and so forth.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving loan files of up to 15 lbs.Work involves some travel to attend meetings, trainings, real estate office visits, and so forth.PI349ba8974ca8-8706
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The VP/Sales will be responsible for actively cultivating new and developing existing relationships to drive new business and grow portfolios. The ideal person for this role will have a demonstrated track record of success in generating and growing vendor & customer relationships.
Key Accountabilities, Responsibilities and Expectations:
Develop new and grow existing client relationships through outbound calls, on-site presentations, and attending industry trade shows.Ability to sell multiple types of equipment lease financing products and solutions.Manage ongoing client portfolio. Meet or exceed established sales goals. Develop and execute marketing campaigns. Obtain and review customer financial information. Completes or directs completion of all required documentation.Assist with any leasing related questions or concerns. All other duties as assigned and any activities that support the key accountabilities.Qualifications, Knowledge and Skills:
Bachelor's degree in finance-related field, or equivalent experience.Demonstrated ability to develop new customer relationships.Solid Computer literacy (Microsoft Office Suite) with previous CRM experience preferred.Strong understanding of financial statements and basic credit underwriting.Solid oral and written communication skills in one-on-one and team settings. Ability to listen to and fully understand complex situations.Ability to manage multiple priorities/projects with varied deadlines.Physical Requirements:
Work involves eye strain due to the constant use of computer screens, reading of reports and so forth.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving files of up to 15 lbs.Work involves the ability to read, hear, write, and communicate professionally both in person and via telephone.Work involves some travel to attend meetings, training, and so forth.EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
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An Assistant Branch Manager (ABM) is responsible for overseeing the branch's daily activities, including driving branch performance, sales growth and exceptional customer service. The ABM is both a player and a coach in achieving branch goals by assessing customer's needs, building relationships, and solving problems. The ABM demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders, to make a difference in the communities that we serve.
Key Accountabilities, Responsibilities and Expectations:
Working daily with the branch team to create an exceptional customer experience by building relationships, assessing needs, recommending products and referring customers to our partners in order to grow the bank. Support and coach branch employees to enhance performance and career development. Leading the team through the sales process, change management and embracing new ideas to focus on growing the branch and the organization.Open personal, business, and loan account including additional products and services.Develop an expansive knowledge of products and services to fulfill customer needs.Achieve monthly, quarterly and yearly customer satisfaction metrics both individually and as a team.Exhibit a working knowledge of all aspects of the consumer lending process in daily and weekly activities; building customer trust and managing relationships through the life of the loan. Daily oversight to ensure operational tasks are followed and completed, adhering to bank policies, procedures, and regulations.Open personal, business, and loan account including additional products and services.Meet the required annual branch deposit and consumer loan goals as established.Conduct interviewing and hiring process in conjunction with Branch Manager and Regional Manager.Understand and encourage the use of technology in every day banking interactions, including teaching customers how to use technology, mobile banking, P2P, online banking etc. All other duties as assigned and any activities that support the key accountabilities.Qualifications, Knowledge and Skills:
Demonstrate the ability to lead, coach, motivate and develop staff.2-3years' experience in retail or in branch banking environment.Drive an exceptional customer experience.Supervise and coach the team to achieve sales excellence, ensure the delivery of World Class customer service.Associate's or Bachelor's Degree preferred.High School diploma or equivalent required.Physical Requirements:
Work involves eye strain due to the constant use of computer screens, reading of reports and so forth.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving files of up to 50 lbs.Work involves ability to read, hear, write, and communicate professionally both in person and via telephone.Work involves some travel to attend meetings, training, and so forth.EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
PI66ced245fc0c-2040
Read LessPosition Purpose:
An Assistant Branch Manager (ABM) is responsible for overseeing the branch's daily activities, including driving branch performance, sales growth and exceptional customer service. The ABM is both a player and a coach in achieving branch goals by assessing customer's needs, building relationships, and solving problems. The ABM demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders, to make a difference in the communities that we serve.
Key Accountabilities, Responsibilities and Expectations:
Working daily with the branch team to create an exceptional customer experience by building relationships, assessing needs, recommending products and referring customers to our partners in order to grow the bank. Support and coach branch employees to enhance performance and career development. Leading the team through the sales process, change management and embracing new ideas to focus on growing the branch and the organization.Open personal, business, and loan account including additional products and services.Develop an expansive knowledge of products and services to fulfill customer needs.Achieve monthly, quarterly and yearly customer satisfaction metrics both individually and as a team.Exhibit a working knowledge of all aspects of the consumer lending process in daily and weekly activities; building customer trust and managing relationships through the life of the loan. Daily oversight to ensure operational tasks are followed and completed, adhering to bank policies, procedures, and regulations.Open personal, business, and loan account including additional products and services.Meet the required annual branch deposit and consumer loan goals as established.Conduct interviewing and hiring process in conjunction with Branch Manager and Regional Manager.Understand and encourage the use of technology in every day banking interactions, including teaching customers how to use technology, mobile banking, P2P, online banking etc. All other duties as assigned and any activities that support the key accountabilities.Qualifications, Knowledge and Skills:
Demonstrate the ability to lead, coach, motivate and develop staff.2-3years' experience in retail or in branch banking environment.Drive an exceptional customer experience.Supervise and coach the team to achieve sales excellence, ensure the delivery of World Class customer service.Associate's or Bachelor's Degree preferred.High School diploma or equivalent required.Physical Requirements:
Work involves eye strain due to the constant use of computer screens, reading of reports and so forth.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving files of up to 50 lbs.Work involves ability to read, hear, write, and communicate professionally both in person and via telephone.Work involves some travel to attend meetings, training, and so forth.EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
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A Branch Operations Specialist (BOS) is responsible for making sure that all employees adhere to branch operations guidelines as well as ensure all systems operate smoothly and efficiently according to established policy and procedures. The BOS is also responsible for creating an exceptional customer experience through their knowledge of available products and services. The BOS demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders, to make a difference in the communities that we serve.
KEY ACCOUNTABILITIES, RESPONSIBILITIES, AND EXPECTATIONS:
Ensure operational tasks are followed & completed daily by all Branch employees.Responsible for the retention of operational materials as well as managing audits to ensure operational soundness.Create an exceptional customer experience daily by processing transactions, building relationships, assessing needs, recommending products, and referring partners to our customers, thus growing the bank.Developing an expansive knowledge of products and services to fulfill customer needs and solve problems daily. Execute customer requests with speed and accuracy.Understanding all aspects of consumer lending in daily and weekly activities; building customer trust and managing relationships through the life of the lending process.Constant, consistent communication internally and externally to provide an outstanding customer experience. Adhering to regulations, following policies and procedures to ensure safety and soundness of customers and the bank.Dedication to daily personal growth through active learning, adapting to new procedures and systems, and refining skills to grow the organization, and the team.Understand and encourage the use of technology in every day banking interactions, including teaching customers how to use technology, mobile banking, P2P, online banking etc.QUALIFICATIONS, KNOWLEDGE AND SKILLS:
Minimum 2 or 3 years' experience in branch banking environment.Must be knowledgeable in all areas of operations; including customer service, new accounts, and lending.Excellent oral, written and presentation skillsDetail oriented with the ability to work under deadlines with frequent interruptions.Associate's Degree preferred.High School diploma or equivalent required.PHYSICAL REQUIREMENTS:
Work involves eye strain due to the constant use of computer screens, reading of reports and so forth.Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.Work involves lifting and moving objects up to 50 lbs.Work involves ability to read, hear, write, and communicate professionally both in person and via telephone, and sitting for long periods at a time.Work involves some travel to attend meetings, training, and so forth.EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
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Responsible for management and growth of long-term profitable relationships with high-net worth individuals ($1Million in investable assets and above), medical professionals and emerging affluent clientele using high touch banking, financial planning, credit and other financial solutions.
Key Accountabilities, Responsibilities and Expectations:
Understand the needs of wealthy clients and cater to those requirements.Depending on the market place - Dedicate a percentage of time to existing clients, providing a superior client service experience and specifically addressing the comprehensive holistic needs of each individual client with banking options, wealth strategies, and lending solutions.Open, close and service client deposit accounts; Coordinate and follow through on client requests for products and services (i.e., open/close accounts, check orders, credit drawdowns/pay downs, credit card requests, etc.), take consumer loan applications and process loan documents; refer clients to appropriate department.Confidentially manage daily client transactions and inquiries accurately, within established deadlines and in accordance with firm business policies and procedures, as well as applicable FINRA and other federal regulations.Provide high quality, high touch service to Private Banking clients. Responsible for monitoring and maintaining client accounts across complex structures and a wide variety of products. Acts as a trusted advisor, provide solid solutions and simplifies the client's life to achieve financial goals.Use deep knowledge of the relationship and available sales tools / reports to independently identify and execute cross-sell and up-sell opportunities.Resolve client problems as needed/warranted and other duties as neededMonitor and manage existing credit relationships.Build and manage lifelong client relationships with a certain number of high net-worth individuals (generally 75 - 125 account relationships).Depending on the market place - Dedicate a percentage of time to prospecting and new client acquisition. Develop internal and external referral sources to cultivate prospect opportunities.Depending on the market place - Dedicate a percentage of time to developing relationship with internal clients including mortgage/consumer/commercial lenders, business bankers, branch leaders and wealth managers.Attend all sales team meeting.Refer clients to trust and investment management department; commercial/consumer loan department and wealth management as the need presents itselfResearch, follow-up and resolve client inquiries and issues through effective interaction with clients, advisors, product partners, branch/operations teams and other staff in a timely and professional manner.Work within a team environment with trust and investment personnel, commercial/consumer lending personnel, and retail staff in order to provide optimal client service.Depending on the market place - Dedicate a percentage of time to developing relationship with external COIs including attorneys, CPAs, Physician Recruiters, Medical Professionals, Real Estate agents, etc.Meet one-on-one, host seminars/mixers, plan collaborative events, etc. with the goal of deepen relationships and encouraging the sharing of prospect referrals.Represent the Bank at community civic club and service club eventsDevelop a Business Plan which details yearly & quarterly new client, lending & wealth goals with action plan for achievement of these goals. Take pride in exceeding goals as assigned by management and maintain accountability for client acquisition, growth and retention.Track all Client, Prospect, Internal Customer & Internal Customer interaction and pertinent information in Salesforce. Maintain up-to-date calendar & pipeline reports including monthly mortgage report.Depending on the market place - Dedicate a percentage of time on the road traveling to meet with internal and external customers; stay in contact with office and other clients via laptop computer, i-pad and cellular phone. May have to call on clients at home during evenings and weekends, as needed/required to meet their service requests.Qualifications, Knowledge and Skills:
EOE - Race/Sex/Disability/Veteran
This Position Description is not a complete statement of all duties and responsibilities comprising this position.
Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.
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