Commercial Lender: Reports to: Chief Lending Officer
BASIC FUNCTION
Perform all facets of Commercial lending achieving loan portfolio growth goals.
Make outside sales calls through using new business development tools to achieve
portfolio loan and deposit goals. Develop and manage loan accounts which meet
established lending requirements and provide maximum profitability to the bank with
a minimum risk. Carry out public relations and participate in local events and
organizations to represent the bank and develop new business contacts.
SPECIFIC RESPONSIBILITIES
* Responsible for having knowledge of bank services and cross selling products based
on the customer’s financial needs.
* Responsible for establishing customer relationships to assure the ongoing growth of
loans and deposits.
* Assist in closing loans.
* Interview loan applicants, collect and analyze financial and related data to determine
the general credit worthiness of the prospect and the merits of the specific loan
request.
* Establish and negotiate where necessary the terms under which the credit will be
extended, including the costs, repayment method and schedule and collateral
requirements.
* Collect and analyze information that reflects the creditworthiness of current
customers and the current merits of existing loans. Information may be obtained by
direct inspection of the applicant’s business and/or collateral, review of interim
financial reports and personal interview.
* Monitor loan repayment activities and take necessary action to collect from past due
accounts.
* Develop material for and make loan presentations to the Senior Loan Committee
where required.
* Check loan documentation and computations of loan support documentation.
* Monitor credit and collateral exceptions.
Job Type: Full-time
Pay: $100,000.00 - $150,000.00 per year
Benefits:
Application Question(s):
- Do you have portfolio experience?
- Do you have community banking experience?
Education:
Experience:
- Banking: 3 years (Preferred)
Ability to Relocate:
- Aransas Pass, TX 78335: Relocate before starting work (Preferred)
Work Location: In person
