Commercial Lender in Dallas, Texas, United States; Salary: $80K - $150K per annum; Industry: Banking; Financial Services; Work Type: In-office; Full-time

 

Job Title: Commercial Lender 

• Location: Dallas, Texas, United States
• Salary: $80K - $150K per annum
• Industry: Banking; Financial Services
• Work Type: In-office; Full-time

Description:

Primary role is to grow and retain profitable relationships. This is accomplished by focusing on the delivery of value-added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship. You will be a fully experienced, qualified relationship manager capable of independent activity. You should have proven client relationship skills, as well as extensive product knowledge, technical expertise, and strong transaction execution skills. Credit process management is a critical component of your job. Performance will be measured by your effectiveness in many marketing areas, including but not limited to calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships, and propensity to help build the franchise for the long term. Seek opportunities to cross sell into every relationship and anticipate the future needs of the client.

Essential Functions And Basic Duties:

• Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area.
• Requires skills and experience loan structuring and credit analysis.
• Generating a wide variety of commercial and real estate loans.
• Closing loans typically in the $1 million to $10 million range.
• Contributes to deposit growth by cross selling and promoting additional banking products
• Other duties as assigned.
• The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

Qualifications:

• EDUCATION/CERTIFICATION: Bachelor’s degree in banking, finance or another related field is preferred.
• EXPERIENCE REQUIRED: Formally credit trained and /or underwriting knowledge and experience is preferred.
• Typically, a minimum of five years direct lending or credit support related experience with focus on business relationships
• KNOWLEDGE REQUIRED: Familiarity of the sales, loan processing and closing processes.
• Extensive knowledge of Commercial Banking products and services including working knowledge of C & I as well as Owner-Occupied and Investment Commercial Real Estate loans.
• SKILLS/ABILITIES: Ability to expand loans, client relationships and cross sell bank products.
• Must have good interpersonal and communication skills and proven track record of business development.

Working Hours: Monday - Friday 8:00 AM - 5:00 PM.

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Mortgage Loan Officer in Katy, Texas, United States; Salary: $80K - $150K per annum; Industry: Banking; Financial Services; Work Type: In-office; Full-time

 

Job Title: Mortgage Loan Officer

• Location: Katy, Texas, United States
• Salary: $80K - $150K per annum
• Industry: Banking; Financial Services
• Work Type: In-office; Full-time

Description

*A pre-employment credit check will be performed on all qualified applicants.*

The Mortgage Loan Officer will be responsible for receiving, reviewing, and evaluating consumer mortgage loan requests following a Fair Lending process. Discusses mortgage related facts with applicants concerning the ability to repay; explains bank credit policies; and to obtain financial documentation to underwrite the loan request.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Assumes responsibility for the effective and professional completion of assigned loan functions.

• Interviews, takes applications, and processes preliminary documentation on loan requests. Discusses loan alternatives, credit criteria, interest rates, and loan documentation in such a manner as to elicit positive responses from customers.
• Analyzes and evaluates loan requests and prepares written submission for consideration by approving authority. Identifies problems or potential problems with credit information and coordinates with the necessary party to resolve the problems.
• Completes lending functions in accordance with established Bank policies and legal requirements.

2. Assumes responsibility for establishing and maintaining effective and professional business relations with customers and trade professionals.

• Answers questions and resolves requests.
• Meets with applicants whose loans are denied and explains reasons and alternatives.
• Maintains and projects the Bank's professional reputation.

3. Assumes responsibility for establishing and maintaining effective communication, coordination, and working relations with Bank personnel and with management.

• Assists Mortgage Processor personnel and provides support as needed.
• Keeps management informed of area activities and of any significant problems.
• Completes required reports and records.

4. Assumes responsibility for related duties as required or assigned.

• Stays informed regarding changes in lending standards and related legal requirements.
• Completes special projects as assigned.
• Ensures that work area is clean, secure, and well maintained.

EDUCATION/CERTIFICATION:

• High school graduate, advance degree is preferred

KNOWLEDGE REQUIRED:

• Knowledge of Bank consumer mortgage lending policies, and procedures. Understanding of financial analysis and determination of credit worthiness. NMLS certified.

EXPERIENCE REQUIRED:

• 3 to 5 years of consumer and consumer mortgage lending experience.
• The Mortgage Loan Officer will be primarily responsible for generating and underwriting new loans for consumer mortgage loans. This position will close approved loans for the portfolio only or will close secondary market and portfolio loans. Assist in the marketing activities for the Bank through involvement in the community. The successful candidate will have an advanced knowledge and understanding of consumer and mortgage lending practices with three to five years of experience. A strong background in financial and credit analysis is desirable including excellent communication and PC skills in Word and Excel.

SKILLS/ABILITIES:

• Excellent communication and public relations skills. Financial analytical skills. Solid interviewing skills. Able to use related computer applications and business machines.

Hours: Monday - Friday 9:00 am to 5:00 pm

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Market President - Lee and Milam Counties in Milam, Texas, United States; Industry: Banking; Financial Services; Work Type: In-office; Full-time

 

Job Title: Market President - Lee and Milam Counties

• Location: Milam, Texas, United States
• Industry: Banking; Financial Services
• Work Type: In-office; Full-time

Description:

• Primary responsibilities of this position are management and lending. Management of Banking Center Presidents in a specified region to insure they are successfully directing the operational and lending goals of a banking center.
• Independent responsibility to grow and retain profitable commercial business relationships by delivering value-added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area.
• Generate a wide variety of commercial, agricultural, and real estate loans.
• Responsible for an annual loan goal of $25MM plus. Closing loans typically in the $250,000 to $10 million range.
• Contributes to deposit growth by cross selling and promoting additional banking products
• Responsible for the development of an annual loan budget in conjunction with Executive Lending Officer and/or Senior Lending Officer, including projected loan volume, yields, etc.
• Reviews management control reports and compares actual with planned budgetary performance.
• Prepares lending activity reports as needed and/or as directed for the Executive Committee of the Board of Directors or any other Board designated committee.
• Provides guidance, direction and focus to the Banking Center President with respect to lending and lending related operations.
• Responsible for developing and recommending loan pricing policy and implementing same under the direction of the CEO and the Board of Directors.
• Authorizes or rejects credit requests exceeding the lending authority of the Approval Level handling the loan application as detailed in the Loan Authority Chart of the Bank and the Streamline Policy of the Bank.
• Responsible for personnel management and administration activities of a regional lending function, including staffing, job assignment, mentoring, counseling, training, performance appraisal, compensation review and input and implementation of short-term incentive program.
• Maintains professional and community relations to increase the Bank’s visibility and new business opportunities and to further personal development.
• Monitors loan repayment activities within loan portfolio and ensures necessary action is taken to collect delinquent accounts.
• Assists in the Assignment of problem loans to appropriate loan officers and may assist in the handling of problem assets.
• Offers input to periodic revision of Loan Policy and is responsible for ensuring that the Loan Officers comply with loan policy.
• Keeps abreast of the Bank’s efforts in adequately handling compliance issues and all lending related regulations.
• Enforces lending policy and monitors efforts to eliminate all collateral exceptions and exceptions to loan policy.
• Maintains a thorough knowledge of all bank products and services.
• Exercises the usual authority of a regional director concerning staffing, performance appraisals, promotions, salary recommendations and terminations.
• Interviews loan applicants and collects and analyzes financial and related data to determine the general creditworthiness of loan applicants and the merits of the specific loan request.
• Establishes and negotiates, when necessary, the terms under which credit will be extended, including the costs, repayment method, maturity, pricing, and collateral requirements.
• Approves loans up to the specified loan approval limit and serves as a contact officer on loans above his/her limit.
• Collects and analyzes or causes to be analyzed, information that reflects the current creditworthiness of customers and the merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports, appraisals, personal interview, etc.
• Is responsible for compliance with all federal laws including BSA and others specifically related to the position.
• Performs other related duties as assigned.
• The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.

SUPERVISORY RESPONSIBILITIES:

• Lead and manage team through training, developing, and coaching associates on a consistent basis
• Encourage others to set challenging goals and high standards of performance
• Inspire associates to define new opportunities and continuously improve the organization
• Celebrate and reward significant achievements of associates
• Present logical and persuasive case for proposals and positions
• Assist team in addressing their individual strengths and development needs

QUALIFICATIONS

• Education/Certification: Master’s degree (MA) in Business Administration or related field or equivalent education or experience preferred
• Required Knowledge: Thorough knowledge of cash flow, financial analysis, collateral values, etc.
• Thorough knowledge of banking regulations governing lending and credit policies.
• Advanced knowledge of banking principles, philosophies, and operations.

Experience Required:

• 7 – 10 years’ experience in a Senior level bank management or related position with extensive lending experience
• Experienced in salary administration methodology.

Skills/Abilities:

• Able to establish and maintain strong community business contacts.
• Leadership: a demonstrated ability to lead people and achieve results through others.
• Planning: an ability to think ahead and plan over a 1–5-year time span.
• Management: the ability to organize and manage multiple priorities.
• Sales and service systems development and deployment.
• Problem analysis and problem resolution at both a strategic and functional level.
• Technical skills in strategic planning and sales planning.
• Associate training and development.
• Strong customer orientation.
• Excellent interpersonal and communication skills including presentation skills.
• Builds high performance teams and a strong team player.
• Commitment to company values.
• Ability to effectively operate Bank computerized data systems.
• Proficient in computer skills

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