Commercial Lending Officer

SUMMARY:

The Commercial Lending Officer is responsible for expanding the bank's commercial loan portfolio by developing new business opportunities and cultivating client relationships. They conduct in-depth credit analysis and underwrite loan applications to ensure adherence to credit policies and risk management guidelines, while designing loan structures that align with client needs and the bank’s objectives. The role also involves maintaining client relationships, ensuring regulatory compliance, managing loan portfolio performance, preparing documentation, and collaborating with various bank departments to facilitate seamless loan processing.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Identify and develop new business opportunities to expand the bank’s commercial loan portfolio. Establish and cultivate relationships with prospective clients, business owners, and community leaders.
• Conduct thorough credit analysis, including financial statement reviews, risk assessments, and collateral evaluations. Structure and underwrite commercial loan applications to ensure they meet the bank’s credit policies and risk management guidelines.
• Design and negotiate appropriate loan structures and terms to meet client needs while aligning with the bank’s objectives.
• Maintain and enhance relationships with existing clients by providing exceptional service and conducting periodic reviews of loan arrangements. Address and resolve client inquiries and concerns promptly.
• Ensure all loan transactions comply with relevant banking regulations, internal policies, and industry best practices. Stay updated on regulatory changes and adjust procedures as necessary.
• Monitor and manage the performance of the loan portfolio, including assessing credit quality, conducting regular reviews, and taking corrective actions as needed.
• Prepare and maintain accurate documentation for loan applications, approvals, and servicing. Generate reports on loan performance, portfolio status, and other relevant metrics for management review.
• Work closely with other bank departments, such as risk management, compliance, and operations, to ensure seamless loan processing and servicing.
• Stay informed about market trends, economic conditions, and industry developments that may impact commercial lending. Provide insights and recommendations to clients and management.
• Other duties and special projects as assigned.

WORKING CONDITIONS:

• Air-conditioned office environment.
• Consistent and timely attendance is required to ensure uninterrupted operational efficiency and exemplary service delivery.

PHYSICAL DEMANDS:

• Sit for extended periods of time.
• Walk, stand, bend, squat, twist, and reach.
• Simple grasping and fine manipulation.
• Extended keyboarding.

MINIMUM REQUIREMENTS:

• High School Diploma or equivalent.
• Five+ years of proven commercial real estate lending experience.
• Strong marketing and business development experience with a proven track record of originating term loans on commercial multi-family real estate properties
• Commercial real estate market knowledge is required. 
• Excellent written and verbal communication skills with the ability to interact effectively with people.
• Strong commitment and track record to providing high quality service levels to both external and internal customers.
• Ability to quickly adapt to new technological systems and business processes.

PREFERRED REQUIREMENTS:

• Bachelor’s degree in finance, Business Administration, Accounting or a related field.
• Formal Credit Training

Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice.

We are an Equal Opportunity Employer

TexasBank is committed to providing equal employment opportunities regardless of race, creed, color, religion, alienage or national origin, ancestry, citizenship status, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. This policy applies to all terms and conditions of employment, including, but not limited to, recruiting, hiring, placement, promotion, compensation, benefits, training, disciplinary actions, layoff, recall, transfer, leaves of absence, and termination. Employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of Human Resources.