Commercial Lender (Full Time) - Round Rock TX

Prosperity Bank; Round Rock (TX); On-site; USD 90,000 - 140,000; Full time

Job summary

Prosperity Bank is seeking a skilled Relationship Manager to grow and retain profitable commercial and real estate loan relationships. You will manage end-to-end credit processes, analyze financials, structure loans, and cross-sell banking products to strengthen client ties.

The role demands seven years of credit/ lending experience, strong communication, and proven business development skills to expand the franchise across assigned markets.

Qualifications

• Formally credit trained or underwriting knowledge is preferred.
• Typically, seven years of direct lending or credit experience with focus on business relationships.
• Experience with commercial banking products and services including real estate loans.

Responsibilities

• Solicit commercial clients and pursue new business through calls, referrals and cross selling.
• Obtain COIs and attend networking events within the geographic area.
• Structure loans and perform credit analysis for a range of commercial and real estate lending.
• Close loans typically in the $1M–$10M range.
• Contribute to deposit growth via cross selling and banking product recommendations.

Skills

Client relationship management

Loan structuring

Credit analysis

Cross-selling

Business development

Interpersonal skills

Communication

Education

Bachelor’s degree in banking/finance or related field

Tools

CRM software

Credit analysis tools

Job description

Prosperity Bank is an Equal Opportunity Employer.

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

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.

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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).

Reasoning Ability

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

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

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.

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