Commercial Loan Officer

First Savings Bank; El Paso (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health Insurance

Vision Insurance

Paid Time Off

Job summary

First Savings Bank in El Paso is hiring a Commercial Loan Officer to develop loan and deposit relationships with business clients. You will evaluate credit, structure loans, and determine collateral while growing the bank’s lending portfolio.

The role requires a bachelor’s degree in accounting or finance and 2+ years of commercial lending experience. Local market knowledge and community involvement are valued; remote work is not available.

Qualifications

• Bachelor’s degree in accounting, finance or related field required.
• 2+ years of commercial lending preferred.

Responsibilities

• Develop loan and deposit relationships with current and prospective bank customers.
• Evaluate client/applicant’s credit and financial status to determine lending decisions per risk tolerance.
• Structure loans within policy guidelines for presentation and approval by loan committee.
• Determine collateral value/status during the loan application process.
• Maintain knowledge of bank products and cross-sell opportunities to customers.
• Execute sales strategies to grow commercial lending revenue and deposits.
• Manage loan portfolio and review financials to ensure covenants and policy compliance.
• Build relationships with community members to grow lending revenue.
• Represent the bank at local events and maintain regulatory knowledge.
• Other duties as assigned.

Skills

Credit analysis

Relationship building

Business development

Sales strategies

Education

Bachelor’s degree in accounting/finance

Job description

We are a family-owned bank committed to providing exceptional service and innovative banking solutions while making a difference in the communities we serve. We take great pride in the relationships we built and the lives we impact. We offer the strength of a big bank combined with local decision-making and hometown involvement, setting our community bank apart from the rest.

Our mission

Our mission is to support the financial goals of individuals and businesses in the communities we call home by offering every person a better banking experience.

Our values

• Passion: We have an unrelenting drive to be great. Quality service is our #1 priority.
• Commitment: We do not shy away from accountability. We together as a team and embrace the spirit of service.
• Leadership: We are competitive leaders in our markets and a go-to source for finance and lending.
• Community: We’re proud to support each other and our local communities. We win when our customers win.

The Commercial Loan Officer position specializes in providing loans and other banking products to clients across multiple areas, such as business banking, agriculture, and commercial real estate. This role directly drives revenue growth by building strong relationships with bank customers, building and maintaining the bank’s loan portfolio, and providing financial services to clients.

This position is located in El Paso Mesa. It is not a remote position.

What you will do

• Develops loan and deposit relationships with current and prospective bank customers.
• Evaluates client/applicant’s credit and financial status to determine appropriate lending decisions based on company risk-tolerance levels.
• Structures loans within loan policy guidelines for presentation and approval by loan committee.
• Determines value or status of collateral as necessary during the loan application process.
• Maintains a strong knowledge of bank products and identifies opportunities to recommend products and services to customers.
• Executes sales strategies to grow commercial lending revenue and bank deposits.
• Manages existing loan portfolio and reviews financials including tax returns to ensure loan complies with covenants and policy.
• Builds relationships with key members of the community, building a network to grow commercial lending revenue and deposit growth.
• Represents the bank at local community and professional organization events.
• Maintains a strong understanding of internal bank policies and banking regulations.
• Other Duties as assigned.

What you will need

• Bachelor’s degree in accounting, finance or related field required.
• 2+ years of commercial lending preferred.

What we offer

• Health Insurance
• Vision Insurance
• Paid Vacation, Sick, and Holiday time
• And more!

Candidate must pass a pre-employment screening including credit history and criminal record check.

Our company provides equal employment opportunities (EEO) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.