What are the responsibilities and job description for the Credit Specialist (On-Site) position at Citizens First Bank?
About the Organization:
Citizens First Bank, a cornerstone of The Villages community, was founded by the visionary founders of The Villages in 1991. “We are a bank created specifically to fill the needs of our community and to conscientiously and joyously serve our Villagers residents in every possible way.” -Founder Harold Schwartz. Since that time, the vision of the Bank has expanded to build upon our purpose of serving the Villages in every way while sharing our exceptional service and lasting relationships with the people and businesses throughout Lake, Sumter, Marion and Citrus counties. Citizens First Bank: A Five Star Bank where hospitality meets finance.
About the Position:
Join the Credit Department at Citizens First Bank as a Credit Specialist! The Credit Specialist is responsible for conducting commercial credit investigations and analyzing credit information. The Credit Specialist maintains financial background data on current and potential customers and prepare credit evaluations for the use of Commercial Lenders. The Credit Specialist utilizes a financial spread program to analyze commercial financial statements and compiles loan request packages for transactions requiring higher-level approval, including those intended for the Executive Loan Committee and Board of Directors.
Key Responsibilities of the Credit Specialist:
- Spreads and analyzes financial statements on commercial loan applicants and makes recommendations to loan officers
- Prepares summary reports and full analysis reports for Lenders and Loan Committee
- Maintains credit files to ensure that documentation and financial data remain current and in compliance with policies, loan agreements, and regulations
- Provides technical assistance to Lenders as requested and participates in meetings with existing and potential borrowers
- Has knowledge of Bank products and recognizes referral opportunities
- Prepares monthly or quarterly borrowing base certificates on certain loans and lines of credit as required by loan agreements
- Performs annual reviews on lines of credit and large loan relationships for approval by the Lender or other appropriate authority
Credit Specialist Requirements:
Minimum:
- Associate’s degree in business or finance plus three years of experience in an office or professional setting or seven years of banking experience in lieu of the degree.
- Must have strong interpersonal skills and be able to interact effectively with people and maintain confidentiality.
- Must be able to acquire detailed knowledge of department and Bank policies, practices, operations, and handle moderately complex tasks.
- Must have good organizational skills and be able to meet deadlines.
- Must have experience in Microsoft Outlook, Word, and Excel at an advanced level.
Preferred:
- Bachelor’s degree in Finance, Accounting or Business or two to three years of commercial credit analysis.
Credit Specialist Benefits:
Citizen’s First Bank offers an exceptional benefits package for full-time employees including medical dental, vision, short and long-term disability insurance options, 401K which matches the first 5% of contributions and generous vacation allowance. All employees enjoy an annual calendar recognizing ten federal holidays which may be paid, a high-end hospitality environment with a strong promote-from- within culture, and the satisfaction that comes from serving the community and relationship building. Dream maker discount program applicable at various local businesses. **Category I employer for eligibility placement into The Villages Charter School. **
Citizens First Bank is committed to provide equal employment opportunity to all persons regardless of race, color, national origin, religion, sex, sexual orientation, gender identity, age, genetic information, marital status, protected veteran status or disability. In addition to federal law requirements, Citizens First Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the Bank has facilities.
Citizens First Bank is proud to be a drug, alcohol, and weapons free workplace.
