Posted 9/3/25
Market/Office Location: Cheboygan County
Primary Function: Expand and maintain existing business relationships and collaborate with other areas of the bank to service customers. Facilitate sales through the structuring of creative and appealing loan products. Develop banking relationships to include merchant, depository,
cash management services and bank products and services.
Principal Responsibilities and Duties:
- Expand and retain existing business relationships and meet with prospective customers, including merchant services.
- Develop new customer prospects and business for the financial institution, including merchant services.
- Analyze the credit history of applicants and determine repayment methods and collateral specifications.
- Evaluate potential customer loan requests and make loan recommendations to management.
- Maintain customer credit files, including the timely receipt of financial information and customer call reports.
- Work with and be familiar with various programs available to assist business customers.
- Ensure portfolio risk is understood and properly conveyed to bank management and/or board of directors.
- Assist CNB’s Merchant Service provider with the presentation of proposals, onboarding of new customers, and the servicing of existing customers.
- Proactively refer customers to other areas of the bank.
- Establish and maintain an active calling program to include current bank customers, prospects and centers of influence.
- Retain existing bank relationships, including renewing loans prior to maturity.
- Be familiar with all bank products to be sufficiently capable of cross-selling other bank products.
- Interact with less experienced banking personnel to enhance overall bank performance.
- Represent the financial institution to the community through good customer relations, participating in local and surrounding community events.
- Participate in activities for generating new business, such as sales calls and special events.
- Provide feedback to management on activities and identify opportunities in targeted areas.
- Promote and enhance the corporate culture and foster the development and implementation of organizational vision, policies and guidelines.
- Comply with all laws, regulations, bank policies and procedures, including Citizens National Bank’s Bank Secrecy Act and Anti-Money Laundering Policy and procedures, and its Customer Identification Program.
- Maintain regular consistent attendance, personal appearance, punctuality and adherence to applicable health and safety procedures.
- Establish and maintain efficient working relationships with supervisors, co-workers, and customers.
- Identify competitive opportunities and provide management input accordingly.
- Other duties as assigned.
Skills and Abilities Required:
- Ability to interact fluently with business owners and business community
- Self-starter, detail oriented and well organized
- Word and Excel proficient
- Excellent written and oral communication skills
- Ability to handle multiple priorities and produce results
- Creative/innovative problem solver
- Working knowledge of all depository and cash management services.
Education and Experience Required:
- An associate or bachelor’s degree in business, finance, or related field
- 4 years of related work experience in banking or related industry
- Strong understanding and experience in business credit
- Bank willing to train qualified candidates
Benefits:
- 401K
- Dental, Health, & Vision
- Vacation/Sick Days/Holiday Pay
- Tuition Reimbursement
Please send your resume and cover letter to VP, Human Resources Trisha Dobias at [email protected] or mail to her attention, 303 N. Main St., Cheboygan, MI 49721.
CNB is an Equal Opportunity Employer.