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Credit Officer job

Citizens Business Bank jobs

Company

Company Description

Citizens Business Bank is a bank that provides banking, lending, trust, and investment services for small to medium-sized businesses and individuals. The firm offers commercial lending, equipment & vehicle leasing, online banking, data management, estate planning, term lending, fraud prevention, and wealth management services. Citizens Business Bank operates in two business segments: Business Financial & Commercial banking center and Dairy, livestock & Agribusiness. The bank has been creating long-term banking relationships by focusing on its customers and achieving more for their business, employees, and communities. George A. Borba Sr. founded Citizens Business Bank in 1974, and its headquarter is based in Ontario, Canada. The bank provides competitive salary packages, paid vacations, and other perks to its employees.

Job Description

Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top ranked bank, life at our company includes a working environment that thrives on collaboration, integrity, and mutual respect for one another. We encourage our associates to ask questions, learn, care deeply, and make an impact. Our dedication to customers and associates is at the core of our business culture and is represented by five core values: financial strength, superior people, customer focus, cost-effective operation, and having fun.

Credit Officer (I, II or III) 

SUMMARY

Credit Officer I-III is based on the number of years/type of banking experience, credit/analytical skills, and title/salary. A Credit Officer has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The more senior credit officers assist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills. Agricultural lending/analysis experience preferred.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following:

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Review credit request/file for completeness.
  • Spread financial statement and/or tax returns.
  • Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
  • Prepare an accurate, clear and concise RCE.
  • If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
  • Discuss credit requests with branch personnel and Credit Management Division.
  • Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
  • Other duties may be assigned.

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

Four year college or university program certificate; or two to four years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Citizens Business Bank

Type

Company - Public

Size

Medium

Revenue

$100M to $500M

Location

Visalia, CA, and others

Industry

Banking/Mortgage

Founded

1974

CEO

Christopher D. Myers

Job Filters

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GENERAL PURPOSE OF THE JOB The AML System Officer reports to the BSA Compliance Manager of the subject of the Bank Secrecy Act and the Office of Foreign Assets Control (OFAC) and the respective requirements pertaining to administering the Bank’s BSA...Read more
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Assistant Vice President - Portfolio OfficerCitizens Business BankBurbank, CA
CITIZENS BUSINESS BANK - The #1 MOST Successful California-Founded Bank in History! Ultra High Net Worth Clientele As a Portfolio Officer you will--- Be responsible for providing administrative and clerical duties to support to officers and customers...Read more

Closed Job Filters

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Summary Makes and services a wide variety of secured and unsecured loans or lines of credit, most of which involve large amounts of money and important customers. The Portfolio Manager is responsibleRead more
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Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
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Joining Citizens Business Bank means connecting with a team of dedicated associates that continually strive for new and innovative ways to meet and exceed the needs of our customers. As a top rankedRead more
Bankcard Operations AssistantCitizens Business BankRancho Cucamonga, CA
Summary The Bankcard Operations Assistant is responsible for providing sales support and pricing analysis to the Centers for existing and prospective merchants, opening and maintaining new accounts,Read more
Service Representative IICitizens Business BankManhattan Beach, CA
SUMMARY Provides prompt, efficient, and friendly service. Responsible for any combination of the following transactions: check cashing; deposits; withdrawals; consumer, real estate, and commercialRead more
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