Commercial Lending Officer

Jefferson Bank; San Antonio (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

Jefferson Bank in San Antonio, TX is seeking a Senior Management role to develop loan and deposit business by calling on small to middle market commercial companies, professionals and associations in the local market. You will manage the loan process including underwriting, loan documentation and ongoing portfolio management, and participate in community activities to grow business.

The role requires extensive knowledge of bank products and 5+ years commercial lending, strong sales and

Qualifications

• 5+ years commercial lending experience including business development, underwriting, loan documentation and portfolio management.
• Excellent relationship management and sales skills.
• Knowledge of bank products and services; ability to network with commercial clients.

Responsibilities

• Call on prospective and existing clients to generate loans and deposits.
• Cross-sell bank products and services.
• Underwrite loans, prepare credit memos and loan presentations.
• Ensure loans are documented, closed properly and compliant with regulations.
• Manage loan and deposit portfolio and present loan information to senior management.

Skills

Credit analysis

Underwriting

Relationship management

Business development

Networking

Presentation skills

Verbal communication

Written communication

Team leadership

Education

High School Diploma/GED

Tools

Bank Core Systems

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full-Time 1B Sr Mngmnt San Antonio, TX, US

JOB FUNCTION

This position will develop loan and deposit business by calling on small to middle market commercial companies, professionals and associations primarily located in the San Antonio and surrounding market areas. Manage the loan process including credit underwriting, loan documentation and ongoing loan portfolio management.

Play an active role in the community to further develop business opportunities. Assist on an as needed basis with credit and deposit needs of an existing loan and deposit portfolio.

DUTIES & RESPONSIBILITIES

• Call on prospective and existing clients to generate loans, deposits and referrals to other areas of the Bank
• Participate in community-oriented and professional organizations
• Cross-sell bank investment, trust, deposit and loan products
• Analyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentations
• Ensure loans are documented and closed properly
• Ensure loans meet all regulatory and compliance guidelines
• Manage loan and deposit portfolio as established
• Present loan information to top management and board of directors

MINIMUM QUALIFICATIONS

Work Experience

• 5 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management
• Ability to provide excellent relationship management and business development/sales skills
• Thorough knowledge of bank products and services
• Knowledge of Bank Core Systems

Preferred Experience

• N/A

Supervisory Experience

• One year supervisory experience

Education/Skills/Experience

• High School Diploma/GED
• Credit analysis and underwriting skills
• Excellent presentation, verbal and writing communication skills
• Networking in commercial markets

Equipment/Machines/Software

• Ability to work with office equipment such as copiers, scanners, shredders, and fax machines
• Bank Core Systems

Competency Requirements

• Ability to work effectively with individuals and groups in managing customer relationships
• Ability to work independently
• Ability to connect and networking with business owners and leaders
• Ability to focus and interpret data to others

Physical Requirements

• Must be able to lift, push and pull files up to 10 lbs
• Must be able to bend, stoop and be mobile within office environment
• Must be able to sit for most of the day in front of a computer
• Must be able to speak and hear clients
• Must be able to see computer screen to read and type on the keyboard
• Must have reliable transportation and able to travel to make calls in San Antonio and surrounding areas
• Occasional travel to other banking centers for meetings

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible. Duties and tasks may be assigned by management team based on department and business needs.

Jefferson Bank is an EEO employer and an affirmative action employer, M/F/Disability/Protected Veteran Status.