Position Purpose:

The Senior Collections Coordinator is responsible for coordinating loan collection activities for the Bank including residential and consumer loans. Works with past due borrowers with confidentiality and integrity in order to reduce potential losses to the Bank. Demonstrates Civista Bank's mission to improve the financial lives of our employees and shareholders to make a difference in the communities that we serve.

Key Accountabilities, Responsibilities and Expectations:

• Daily management of collection activities working with delinquent borrowers; providing consultation and payment options.
• Review past due accounts and determine appropriate collection activities as needed.
• Facilitate research and coordinate loan reviews seeking resolution to complex challenges presented with loans in various stages of delinquency.
• Prepare and present necessary documentation for legal action and charge off recommendations.
• Work with lenders and lending management regarding various issues related to collection procedures. Execute collection strategies via a variety of collection activities.
• Coordinate and provide oversight of workflow and the assignment of projects for collections department.
• Perform analysis of the consumer portfolio payment defaults and late payments and provide recommendations to management and the risk committee as appropriate.
• All other duties as assigned and any activities that support the key accountabilities.

Qualifications, Knowledge and Skills:

• Five to seven years of collections and bankruptcy experience preferred.
• Associates Degree in Business Administration, Finance, or Accounting preferred or equivalent work experience.
• Knowledge of banking industry practices relative to the credit and collections area.
• Solid understanding of lending principles including calculations of interest for charge offs/payoffs and per diems.
• Above average computer literacy (Word, Excel) with accurate data entry skills; proficient knowledge of working with spreadsheet and creating formulas. Ability to become proficient in use of specific software required for position.
• A high level of initiative, thoroughness, accuracy and organizational skills required.
• High level of confidentiality required.
• Solid oral (telephone etiquette) and written (letter writing) communication skills.
• Ability to manage multiple priorities/projects with varied deadlines.

Physical Requirements:

• Work involves eye strain due to the frequent use of computer screens, reading of reports, working with spreadsheets, and reading documents.
• Work involves hearing, speaking, listening, talking.
• Work involves being able to concentrate on the matter at hand, under sometimes distracting work conditions.
• Work involves lifting and moving loan files of up to 15 lbs.
• Work involves minimal travel to attend meetings, training, and so forth.

EOE - Race/Sex/Disability/Veteran

This Position Description is not a complete statement of all duties and responsibilities comprising this position.

Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this position at any time.