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Commercial Lending Officer

ValueBank Texas -
Corpus Christi, TX

Job Details

Benefits

Loan repayment program

Qualifications

Customer communication
Customer relationship building
Underwriting
Community relationship building

Full Job Description

Family is at the heart of everything we do at ValueBank Texas. We’re not just bankers – we’re parents, neighbors, and active participants in our community. We’re deeply connected to the areas we serve. Step into one of our branches, and you’ll feel it. Our tellers greet you like an old friend, and our managers make it a point to say hello. This is the essence of ValueBank Texas – a community where you’re not just a customer, but a valued member of our family. Join us in making this bond even stronger.

BASIC FUNCTION
Perform all facets of Commercial lending including making outside sales calls through the use of 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 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.

MINIMUM QUALIFICATIONS:
 Two years experience in commercial lending, credit risk assessment or proven ability to acquire and manage deposit and lending relationships
 Knowledge of commercial lending underwriting, credit risk assessment and regulatory requirements
 Proven ability to build lasting client relationships and contribute to growing the organization
 Good analytical, communication and negotiations skills

PREFERRED QUALIFICATIONS:
 Three years experience in acquiring new deposit and lending relationships in the local market
 Screen and structure loan requests that meet the bank’s underwriting criteria
 Prepare detailed loan presentations covering cash flow, collateral, debt service and borrower creditworthiness and character
 Complete knowledge of deposit products with emphasis on Treasury products for commercial customers

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