Commercial Lender

Citizens-; Kilgore (TX); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Vacation/Sick

Health/Dental/Vision

Life Insurance

Disability

401k/Profit Sharing

Job summary

Citizens Bank is seeking a Commercial Lender to aggressively develop new business, maintain client relationships, and manage credit and loan structuring. The role emphasizes cross-selling, deposit growth, and portfolio management within a team-oriented bank environment.

You will engage in networking events, evaluate client needs, and coordinate with staff to resolve issues while maintaining high customer satisfaction. This is a full-time on-site position in Kilgore, TX.

Qualifications

• Bachelor's degree in banking, finance or business preferred.
• Formal credit training or underwriting knowledge.
• 5-10 years of credit lending experience in a commercial bank.
• Ability to expand loans, client relationships and cross-sell bank products.
• Familiarity with sales, loan processing and closing processes.
• Strong interpersonal and communication skills; proven portfolio management.

Responsibilities

• Aggressively seeks and obtains quality new business via calls, referrals and cross selling.
• Builds and maintains relationships with high customer satisfaction.
• Handles sales, credit analysis, proper loan structuring and client interviews.
• Contributes to deposit growth by cross selling bank products.
• Acts as principal account and relationship manager for clients.
• Performs needs assessment and problem solving for clients.
• Attends social, civic and networking events with clients.
• Collaborates with bank staff to solve customer problems.
• Performs other duties as directed by management.

Skills

Interpersonal skills

Communication skills

Portfolio management

Networking abilities

Education

Bachelor's degree in banking/finance/business

Formal credit training/underwriting experience

5-10 years credit lending experience

Job description

Benefits:

• Vacation/Sick, Health/Dental/Vision, Life Insurance, Disability, 401k/Profit Sharing

Commercial Lender

Duties

1. 1. Aggressively seeks and obtains quality new business through client and prospect calls, referrals and cross selling efforts.
2. 2. Responsible for building and maintaining relationships with a resulting high degree of customer satisfaction.
3. 3. Responsible for sales, credit analysis, proper loan structuring, client interviewing and perceptive character judgement.
4. 4. Contributes to deposit growth by cross selling and promoting additional banking products.
5. 5. Acts as the principal account and relationship manager for new and existing clients.
6. 6. Strong customer needs assessment and problem solving skills.
7. 7. Will attend social, civic and networking events with current and prospective clients.
8. 8. Works well with other bank personnel to solve customer problems.
9. 9. It is expected that the incumbent shall perform other duties as determined by management.

Qualifications

• - Bachelor's degree in banking, finance or other business related field is preferred.
• - Formal Credit Training and/or underwriting knowledge experience.
• - Minimum 5-10 years of credit associated commercial bank lending experience.
• - An equivalent combination of education and experience may meet qualifications.
• - Ability to expand loans, client relationships and cross sell bank products.
• - Familiarity with the sales, loan processing and closing processes.
• - Must have good interpersonal and communication skills and a proven track record of portfolio management.