Commercial Loan Officer 2

TDECU; Sugar Land (TX); Hybrid; USD 80,000 - 120,000; Full time

Job summary

TDECU is seeking a Senior Commercial Loan Officer in Sugar Land, Texas. The ideal candidate will oversee the origination of various commercial loans, develop new business relationships, and maintain a portfolio that maximizes profitability while minimizing risk. A bachelor's degree and significant experience in commercial lending, preferably with SBA loan programs, are essential.

This role offers a dynamic hybrid work arrangement, requiring three days on-site, alongside opportunities for continuous learning and a commitment to core values of integrity and empathy.

Qualifications

• Five or more years of experience in originating loan volume of $12-25MM per year.
• Experience with member/client service and analyzing business financial statements is required.
• Experience with SBA and USDA loan programs is preferred.

Responsibilities

• Originate and serve a variety of commercial loans.
• Develop new business and expand existing relationships.
• Structure, negotiate, and close commercial loans.

Skills

Commercial lending knowledge

Consultative selling skills

Interpersonal communication skills

Education

Bachelor's degree in business, finance, or management

Job description

Position Summary

Senior Commercial Loan Officer originates and serves a variety of commercial loans (conventional, SBA, construction, C&I), including some complex credits. The role requires substantial commercial lending knowledge and experience in business development activities, cultivating existing relationships, and promoting new ones.

Essential Duties and Responsibilities

• Operate with commercial lending authority as established by credit policy.
• Through sales calls and relationship building, develop new business and expand existing relationships aligned to production goals. Identify banking needs, secure financial data for analysis, and make proposals for new business. Review existing account relationships for opportunities to meet additional needs with other products or services, and make proposals as appropriate.
• Gather and evaluate documentation from applicants, structure, negotiate, and close all types of commercial loans within established credit authority limits; oversee processing of commercial loan documents and file maintenance; coordinate collection activities; provide direction to loan servicing, collection, loan administration support staff, and guidance to less experienced commercial lenders; participate in the loan approval process.
• Maintain knowledge of commercial loan products and services as well as knowledge of the industries or market areas served.
• Call on potential customers.
• Ensure commercial banking relationships are fully developed, including specific efforts to serve the retail banking needs of members’ owners/management/associates by partnering with TDECU product leaders. Actively refer to other relevant products and divisions.
• Develop and manage a portfolio of commercial loan accounts that meet established lending requirements and maximize profitability for the credit union with minimal risk.
• Review and approve portfolio maintenance and loan administration actions in accordance with TDECU, Federal, State, and NCUA policies.
• Identify and evaluate deteriorating loan situations to recognize charge‑off loans early and manage credit to minimize losses. Handle follow‑up, collections, or delinquent and problem loans as requested.
• Work in concert with internal and external analysts, underwriters, processors, legal counsel, and corporate credit review staff to ensure compliance with TDECU policies and procedures and federal, state, and NCUA regulations.
• Complete any other job‑related duties needed to help drive the organization’s Vision, fulfill its Purpose, and abide by its Values.

Minimum Qualifications

• Education: Bachelor’s degree in business, finance, management, or an equivalent mix of education and experience is required.
• Five or more years of experience with a proven track record of originating loan volume of $12-25MM per year. Experience with member/client service, analyzing business financial statements, assessing loan risk, and processing commercial loans is required.
• Experience with SBA and USDA loan program parameters is preferred.

Knowledge, Skills, and Abilities

• Expert knowledge of commercial lending including construction, CRE, and C&I.
• Ability to work both remotely and collaboratively and maintain efficiency in either environment.
• Ability to exercise critical thinking skills, assess threats, and propose solutions.
• Consultative selling skills are required.
• Strong interpersonal communication skills and the ability to establish and maintain professional communication within the team.
• Strong desire to continue learning through provided CE opportunities.
• Demonstrate strong core values of integrity, inclusion, empathy, and accountability.

Physical Demands and Work Environment

• While performing the essential duties, an employee will frequently be required to stand, walk, and sit.
• Specific vision abilities required include close vision, distance vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.
• The company offers a dynamic hybrid work arrangement, which requires three days of on‑site work. Our retail roles are required to be onsite at the branch locations.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Equal Opportunity Employment

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non‑discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state, or local law. Consistent with the ADA, applicants may request accommodations needed to participate in the application process.