Branch Manager/Lender

About the Position
A proactive relationship builder that assists bank clients and provides excellent support throughout the process of underwriting, structuring and closing of loans, as well as developing deposit relationships while working to enhance and grow the bank's presence within the community.

About the Opportunity
The Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work.  Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves.  Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions.  Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide.  We're different.  We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people.  Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE.

Essential Duties
Develop new business, through the underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio.   Solicit, negotiate and coordinate the closing of loans in compliance with the bank's lending policies and procedures as well as applicable Federal and State regulations.  Maintain collection efforts of delinquent loans within the officer portfolio.  Monitor existing loan portfolio to ensure proper risk ratings and early identification of potential problems.  Promote business for the bank by maintaining good client relationships and referring clients to appropriate staff for additional services.  Maximize bank profitability through appropriate pricing of new loans, fee income and selling of all bank products and services.  Develop business and consumer checking and deposit relationships with clients.  Present credits for approval to appropriate levels of authority within the bank as required. 

Oversee activities of the branch within the community/market.  Provide day-to-day leadership of employees.  Assist in the recruiting, training and development of staff.  Ensure the highest quality of client service is provided.  Represent the bank in the local community through active participation in community affairs.  Other duties as required by supervisory personnel.

The Right Person
3 - 5 years' experience in Lending Position in an FDIC Insured Financial Institution or similar work environment.
Broad Banking Knowledge, including credit analysis and loan documentation systems.
Exceptional Verbal and Written Communication Skills.
Exceptional Customer Service and Sales Background.
Extensive Knowledge/Use of Microsoft Office and other PC applications.

VEVRAA Federal Contractor