Commercial Loan Officer - Dallas

RBFCU Insurance Agency LLC; Dallas (TX); Hybrid; USD 90,000 - 130,000; Full time

Job summary

RBFCU Insurance Agency LLC is seeking a Commercial Loan Officer in the Dallas area for a hybrid role with on-site work three days a week at the Garland Branch. You will solicit, negotiate, underwriting, and coordinate closings for equipment, SBA, CRE, and business loans while developing member relationships.

The role emphasizes portfolio management, cross-selling deposits and credit products, and collaboration with brokers and CPAs in the local community.

Qualifications

• 3+ years of direct Commercial Lending/Relationship Management/Business Development experience.
• Some college or Associates Degree in Finance, Accounting, Economics, Management, or related field, or equivalent.
• Formal Credit Training or equivalent preparation is preferred.

Responsibilities

• Prospect and originate CRE and C&I loans, focusing on small to middle market companies.
• Manage relationships within an assigned portfolio and develop new revenue through commercial relationships.
• Underwrite and structure credit transactions and obtain credit approvals.
• Monitor loan delinquency and cure exceptions, ensuring regulatory compliance.
• Build and manage a portfolio in line with production goals.

Tools

Microsoft Office Applications

Job description

## Commercial Loan Officer - DallasApply: Dallas, Texas Area: Full time: Posted 2 Days Ago: 015417**Job Description and Requirements**The Commercial Loan Officer is responsible for soliciting, negotiating, underwriting and coordinating the closing of equipment, SBA, commercial real estate, and business loans in compliance with the credit union’s lending policies and procedures; develops business checking and deposit relationships with members; and promotes business for the credit union by maintaining good member services/relations. Position is also responsible for managing existing relationships and ongoing monitoring and compliance requirements related to the portfolio. \\* This job may be eligible for work from home - **hybrid schedule**. The Commercial Loan Officer is required to work on-site at the Garland Branch three days per week. **Essential Functions and Responsibilities:*** Prospecting and originating new Commercial Real Estate (CRE) and Commercial & Industrial loans (C&I) of with a focus on targeting small to middle market companies.* Manage relationships within an assigned portfolio and develop new revenue/fee income for the credit union through the development of new commercial relationships, negotiating and closing new lines of commercial credit and loans, and generating new deposits.* Establish referral network and relationships with commercial real estate brokers, loan brokers, CPAs as well participate in various civic and industry groups within the local community.* Expand and retain relationships - Profile new and existing commercial clients to ensure cross-sell of deposits, credit, and other credit union consumer products.* Knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis. Working knowledge of credit products and processes.* Underwrite and structure credit transactions and obtain credit approval.* Monitors loan exception and delinquency reports and works with members and staff to cure exceptions.* Serve as a resource for other Commercial Lending Officer's to assist with underwriting and documentation for potential loans when needed.* Build and manage a loan portfolio in range of $15 - $35 million while meeting annual production goals in new loans based on experience.* Adhere to the culture of regulatory compliance established by the Business Solutions management team.* All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice). **Requirements:*** Some college or successful completion of Associates Degree in Finance, Accounting, Economics, Management, or closely related field; OR successful completion of a relevant program from an accredited technical school; or an equivalent combination of education and experience* 3+ years of direct Commercial Lending/Relationship Management/Business Development experience or related business lending experience* Working knowledge of commercial banking credit policies and procedures, credit/financial statement analysis, loan structuring, cash flow analysis **Preferred:*** Bachelors Degree in Finance, Accounting, Economics or Management* Formal Credit Training**Skills and/or Certifications/Licensing:*** Excellent verbal and written communication skills required, as well as strong presentation skills* Moderate skill set in Microsoft Office Applications* Ability to perform intermediate level accounting and financial analysis under moderate supervision***All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.***