Job Description

Job Location Columbus Headquarters - Columbus, OH 43081 Position Type Full Time

About CFBank:

We are a fast-growing, high-achieving organization that thrives on winning. We are proud to be ranked nationally in the top 10 Banks within our asset size peer group based on financial performance. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we’ve been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business.

This opportunity is best for candidates who have an interest in building a career in commercial lending and are seeking increased exposure, visibility, and potential impact. In this role, you will be part of a high-powered Credit team, who partners closely with our commercial sales teams across all our growing markets. Our commercial banking team is encouraged to generate a wide range of relationships spanning business banking and the middle market so expect variety in your daily work! A great opportunity to maintain an expansive skillset with direct access to executive management, all while serving a wide range of needs in local business communities.

What you’ll do:

• Responsible for underwriting and credit analysis in the areas of commercial lending, commercial real estate lending, and credit administration.
• Analyze financial records including earnings, savings, payments, and purchase of the company or individual and recommend other useful financial activity for further plans.
• Compare liquidity, profitability, and credit histories of individuals or companies being evaluated with similar establishments to determine risk.
• Complete loan applications, including credit analyses and summaries of loan requests, and submit for approval.
• Minimize bad debt risk and maximize accounts receivable collections.
• Generate financial ratios, using computer programs, to evaluate customers' financial status.
• Comply with internal security policies and procedures and maintain customer confidentiality at all times.
• Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies.
• Accept other responsibilities and projects as requested to add value for CFBank.
• Spreads financial statements for Borrower and Guarantor using the credit presentation software program.
• Processes covenant testing according to procedures established by the Credit area of the Bank. Report deficiencies in covenant to management and loan officer.
• Assists Credit Administration in the review of real estate appraisals and evaluations as necessary prior to loan closings.
• Demonstrates proficiency in independently dealing with deadlines, managing workflow, and understanding processes in a timely manner.
• Participates in weekly credit committee meetings, presents loan packages to the executive board as necessary to outline strengths/weaknesses in the deal accordingly, responding to inquiries from officers and committee members' questions.
• Participates in weekly sales meetings to discuss current workflow and status of credit packages. Develops an understanding of past-due loans, discussion of pending items to note for the upcoming week.

What We Offer:

• Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility.
• Professional development opportunities including educational/training opportunities
• “Accelerated” 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting
• Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!)
• Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources
• One of the most collaborative environments you’ll find, with a team of hard-working mutually invested professionals who are excited about shared success

Qualifications