Commercial Lender

gpac; Kerrville (TX); On-site; USD 150,000 - 200,000; Full time

Benefits offered by this job

Bonus tied to production

Full benefits package

Competitive base salary

Job summary

gpac LLC. is seeking a Commercial Lender to develop and manage a portfolio of commercial loans and deposits in the greater DFW market. You will originate, underwrite, structure, and close credits while representing the bank in the community.

Responsibilities include portfolio management, credit presentation to loan committees, and cross-selling bank services. A bachelor's degree in finance or related field is preferred with 5–10+ years of lending experience.

Qualifications

• 5-10+ years of commercial lending experience, ideally in the DFW market.
• An established book of business or a strong local referral network
• Sound knowledge of financial statement analysis, cash flow underwriting, and loan documentation
• Strong negotiation, communication, and relationship-building skills
• Community bank experience preferred
• A bachelor's degree in finance, accounting, economics, or business is preferred; formal credit training is a plus

Responsibilities

• Prospect for and build new commercial relationships with businesses, owners, and real estate investors
• Originate, underwrite, structure, and negotiate C&I, owner-occupied real estate, CRE, and equipment loans
• Present credit requests to loan committee and work closely with credit analysts and underwriters
• Manage an assigned portfolio, including renewals, covenant monitoring, annual reviews, and risk ratings
• Cross-sell deposit, treasury management, and other bank services to deepen relationships
• Make sure loans follow bank policy, regulatory requirements, and sound credit practices
• Find and resolve problem credits early
• Take an active part in community, civic, and business development events

Skills

Commercial lending experience

Established book of business / network

Financial statement analysis

Cash flow underwriting

Loan documentation

Negotiation & relationship-building

Community banking experience

Education

Bachelor's degree in finance / accounting / economics / business

Credit training

Job description

Position Summary

The Commercial Lender develops, manages, and grows a portfolio of commercial loan and deposit relationships in the greater DFW market. The role is responsible for finding new business, structuring and closing commercial credits, and keeping portfolio quality strong. The lender also represents the bank in the community.

Essential Duties And Responsibilities

• Prospect for and build new commercial relationships with businesses, owners, and real estate investors
• Originate, underwrite, structure, and negotiate C&I, owner-occupied real estate, CRE, and equipment loans
• Present credit requests to loan committee and work closely with credit analysts and underwriters
• Manage an assigned portfolio, including renewals, covenant monitoring, annual reviews, and risk ratings
• Cross-sell deposit, treasury management, and other bank services to deepen relationships
• Make sure loans follow bank policy, regulatory requirements, and sound credit practices
• Find and resolve problem credits early
• Take an active part in community, civic, and business development events

Qualifications

• 5-10+ years of commercial lending experience, ideally in the DFW market
• An established book of business or a strong local referral network
• Sound knowledge of financial statement analysis, cash flow underwriting, and loan documentation
• Strong negotiation, communication, and relationship-building skills
• Community bank experience preferred
• A bachelor's degree in finance, accounting, economics, or business is preferred; formal credit training is a plus

Compensation And Benefits

• $150K-$200K base salary, depending on experience
• A great bonus structure tied to production
• A full benefits package

All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.