Commercial Lender

Prosperity Bank; Abilene (TX); On-site; USD 90,000 - 135,000; Full time

Job summary

Prosperity Bank is seeking an experienced Relationship Manager in Texas to grow and retain profitable client relationships by delivering value-added banking solutions and cross-selling across the product line. The role requires proven client relationship skills, extensive product knowledge, and strong transaction execution capabilities.

The candidate will manage credit process, loan structuring, and risk mitigation while driving revenue growth and franchise development for long-term success.

Qualifications

• Formally credit trained or underwriting knowledge preferred.
• Typically, a minimum of seven years direct lending or credit support experience.

Responsibilities

• Solicit commercial clients and achieve quality new business through calls, referrals, and cross-selling.
• Obtain and maintain COIs and attend networking events in the assigned geographic area.
• Structure loans and perform credit analysis.
• Generate a wide variety of commercial and real estate loans.
• Close loans typically in the $1M–$10M range.
• Contribute to deposit growth by cross-selling and promoting banking products.
• Perform other duties as assigned.

Skills

Client relationship skills

Product knowledge

Technical expertise

Credit analysis

Cross selling

Interpersonal skills

Communication skills

Education

Bachelor’s degree in banking or finance

Job 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

1. Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.

2. Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area.

3. Requires skills and experience loan structuring and credit analysis.

4. Generating a wide variety of commercial and real estate loans.

5. Closing loans typically in the $1 million to $10 million range.

6. Contributes to deposit growth by cross selling and promoting additional banking products

7. 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.

SUPERVISORY RESPONSIBILITIES:

This role has no supervisory responsibilities

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 seven 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.