Small Business Administration Banker

Prosperity Bank; Dallas (TX); On-site; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a skilled commercial lender to enhance their lending operations. This role involves underwriting, analyzing credit applications, and managing client relationships to expand the loan portfolio. The ideal candidate will possess strong analytical skills and a solid understanding of financial principles, enabling them to present loan requests effectively and maintain compliance with regulatory guidelines. Join a dynamic team where your expertise will contribute to the growth and success of a thriving financial institution.

Qualifications

• 4-10 years of relevant experience in commercial lending is required.
• Strong knowledge of financial analysis and loan products is essential.

Responsibilities

• Gather information for underwriting credit extensions and analyze collateral.
• Monitor existing client relationships and manage new client prospects.

Skills

Commercial Loan Analysis

Financial Analysis

Verbal Communication

Written Communication

Client Relationship Management

Education

Bachelor's Degree in Finance or Related Field

Job description

External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application.

Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.

SUMMARY:

The position involves all aspects of the Commercial lending function. The incumbent provides underwriting and analytical work as part of the credit approval process, monitors the existing loan portfolio, and markets for new clients to grow the loan portfolio.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Include the following. Other duties may be assigned.

1. Gather appropriate information necessary for the proper underwriting of credit extensions.
2. Obtain and analyze diligence materials for collateral evaluation.
3. Analyze information and develop internal loan application documentation for approval.
4. Present loan requests to Loan Committees.
5. Work with attorneys to ensure proper documentation.
6. Assemble complete loan packages meeting management and regulatory guidelines, familiar with concepts and practices related to various industries.
7. Monitor existing client relationships, including borrowing base and collateral reports, and follow up on past due accounts.
8. Collaborate with Credit Analysts and Portfolio Managers to provide training and analytical support.
9. Identify new client prospects and manage existing relationships.
10. Maintain open communication with clients and bank management.

COMPETENCY

Knowledge of generally accepted accounting principles, various commercial loan products, and proven analytical ability are required. Strong verbal and written communication skills are essential. Familiarity with the bank's loan policy is a must.

QUALIFICATIONS

Successful performance requires meeting each essential duty satisfactorily. Reasonable accommodations may be made for individuals with disabilities.

EDUCATION and/or EXPERIENCE

A related college/university degree; four to ten years of relevant experience and/or training, or an equivalent combination, is required.

LANGUAGE SKILLS

Good verbal skills are necessary to explain loan transactions clearly to others, including the Loan Committee. Excellent writing skills are also required for concise and thorough loan memoranda and requests.

FINANCIAL SKILLS

Advanced knowledge of financial analysis, including cash flow, balance sheets, income statements, collateral evaluation, loan contracts, and appraisal reports, is required.