Commercial Lender

Guaranty Bank & Trust; Bryan (TX); On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k) plan

Paid Time Off (PTO)

Job summary

Guaranty Bank & Trust in Bryan, TX is seeking a Commercial Lender to develop and manage a commercial loan portfolio. This role involves identifying quality loan opportunities, maintaining high-quality loans, and acting as a calling officer for new loans.

The ideal candidate will possess strong compliance knowledge, excellent communication skills, and a Bachelor’s degree in finance or related fields. We offer a comprehensive benefits package including medical, dental, and generous PTO.

Qualifications

• Some experience in consumer lending is required.
• Formal credit training is required.

Responsibilities

• Develop and manage a commercial loan portfolio for the bank.
• Act as a calling officer and prospect for new loans.
• Demonstrate superior credit skills for loan approval.
• Work closely with management to grow the bank’s loan portfolio.

Skills

Sound knowledge of banking industry concepts

Strong knowledge of compliance with regulations

Strong knowledge of lending products

Self-motivated with a strong work ethic

Management and organizational skills

Excellent communication skills

Ability to set strategic goals

Proficiency in Microsoft Office

Education

Bachelor's degree in accounting, finance, or business

Job description

About The Role

As a Commercial Lender, you will serve as a member of the Lending division responsible for the development and management of a commercial loan portfolio. The position identifies quality loan opportunities and maintains a quality loan portfolio.

Duties & Responsibilities

• Develop and manage a commercial loan portfolio for the bank.
• Focus on high‑quality loans, including C&I and owner‑occupied CRE loans; knowledge of SBA loans is required.
• Act as a calling officer and prospect for new loans.
• Demonstrate superior credit skills and loan management abilities for presenting new loans for approval and maintaining the existing loan portfolio.
• Develop measurable goals and objectives that focus on both customer service and long‑term profits.
• Work closely with management to formulate strategic planning goals to grow the bank’s loan portfolio and net income while providing loan services to customers and cultivating relationships with potential customers.
• Keep abreast of industry and professional trends, products, and services to ensure the current and future effectiveness and profitability of the bank’s services, policies, and staff proficiencies.
• Work toward and assist in the positive image and growth of the bank.
• Comply with all federal, state, and local regulatory rules governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in project meetings.
• Secondary oversight of lobby services.
• Management of personal banking, cash operations, and loan floor supervisors.
• Daily oversight in the absence of the market supervisor/president.
• Perform any additional duties and tasks assigned by management.

Qualifications & Skills

• Sound knowledge of banking industry concepts, practices, and procedures.
• Strong knowledge of compliance with federal and state regulations pertaining to the banking industry.
• Strong knowledge of lending products and services.
• Self‑motivated with a strong work ethic and ability to handle high‑pressure situations.
• Exceptional management, organizational, planning, time‑management, and project‑management skills.
• Excellent written, communication, and customer‑relations skills.
• Ability to set strategic goals and ensure high quality of products and services.
• Proficiency in Microsoft Word, Excel, PowerPoint, and Outlook.

Education, Experience & Licenses

• Bachelor's degree in accounting, finance, economics, or a business‑related field is required.
• Some experience in consumer lending is required.
• Formal credit training is required.

Work Location

Guaranty Bank & Trust in Bryan, TX. Must live within 30 minutes of the bank’s location listed below.

2800 S Texas Ave Suite 140, Bryan, TX 77802

Physical Demands

The physical demands described here are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee is often required to sit, use hands in repetitive motions, and talk or hear. The employee is occasionally required to stand, walk, and lift or reach with hands and arms. Must be able to operate routine office equipment and perform work on a computer for an average of 6–8 hours per day. Must be capable of work‑extended hours or travel off‑site whenever required or requested by management. Must have reliable attendance and be capable of climbing or descending stairs in an emergency situation.

What We Offer

Compensation & Benefits

Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to, medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and profit‑sharing plans, short‑ and long‑term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for part‑time employees up to a maximum accrual of 240 hours per year for certain full‑time employees. PTO accruals are dependent on position, status (full time or part time), and years of experience in accordance with our PTO policy. Most full‑time employees are also offered six paid holidays and part‑time employees are offered pro‑rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state‑recognized holidays. Visit our website for more details.

We are an Equal Opportunity Employer and qualified applicants, or employees, will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws. Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US. No recruiters or unsolicited agency referrals please.