Commercial Lender

Job Description

Job Description

We are an established bank with twelve full-service branches along with two loan production offices primarily situated in southeast Texas. Our vision for growth is cemented in staying true to our roots while continuing to add highly motivated, qualified individuals to our already talented team.

Position Summary

As a Loan and Business Development Officer, your primary role will be growing and retaining profitable relationships by providing mutually beneficial solutions to the Bank and its customers. As a representative of the Bank, this individual will also be expected to attend civic and community events to promote and your local branch.

Duties and Responsibilities :

Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed

Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s)

Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial / modification of requested loan

Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval

Ensures loan agreements are completed according to policy; calculates and explains payment schedules

Explains different lending and credit options and cross-sell bank products to potential and current clients

Maintains credit and lending records and files

Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses

Performs other related duties as assigned

RequirementsEducation / Experience

Bachelor’s Degree from an accredited university preferred

3+ years with education or 7+ years with requisite experience