Commercial Lender (Full Time) - Midland, Wall St.

Prosperity Bank; Midland (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

Prosperity Bank is seeking an experienced Relationship Manager to grow and retain profitable commercial banking relationships in Midland, TX. You will deliver value-added lending and deposit solutions, manage credit processes, and cross-sell across the bank’s products to maximize revenue over the life of the relationship.

Responsibilities include soliciting new business, maintaining COIs, structuring loans, and closing commercial and real estate loans typically in the $1M–$10M range.

Qualifications

• Bachelor’s degree in finance, accounting or related field preferred.
• Typically, a minimum of 4 years direct lending or credit support experience focusing on business relationships.
• Knowledge of sales, loan processing and closing processes.
• Extensive knowledge of Commercial Banking products including C&I and CRE loans.

Responsibilities

• Solicit commercial clients; seek and obtain new business through calls, referrals, and cross selling.
• Obtain/maintain COIs and attend networking events in the geographic area.
• Require skills in loan structuring and 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 additional banking products.
• Other duties as assigned.

Skills

Client relationship development

Cross selling

Interpersonal communication

Sales & business development

Education

Bachelor’s degree in finance or accounting

Job description

POSITION PURPOSE

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

• Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
• Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area.
• Requires skills and experience loan structuring and credit analysis.
• Generating a wide variety of commercial and real estate loans.
• Closing loans typically in the $1 million to $10 million range.
• Contributes to deposit growth by cross selling and promoting additional banking products
• 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 finance, accounting or another related field is preferred.

EXPERIENCE REQUIRED: Formally credit trained and /or underwriting knowledge and experience is preferred.

Typically, a minimum of 4 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.

Physical Activities And Requirements Of This Position

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None: No hazardous or significantly unpleasant conditions (such as in a typical office).

Mental Activities And Requirements Of This Position

Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions.

Able to interpret a variety of technical instructions and can deal with multiple variables.

Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage. Able to perform very simple algebra.

Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.

Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.

Ability to conduct training, communicates at panel discussions, and make professional presentations.

Hours

Monday - Friday 8:00 AM to 5:00 PM.