Junior Commercial Lender & Credit Analyst

Southside-Bank; Austin (TX); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical, Prescription Drugs, Dental, &

Vision Insurance

401(k) with match

Paid Time Off

Paid Bank Holidays

Wellness Programs

Employee Assistance Programs

Tuition Reimbursement

Job summary

Southside Bank in Austin, TX is seeking a Full Time Professional to support commercial lending activities in the Austin Domain. The role focuses on generating new commercial customer relationships and maintaining the current base through credit analysis and portfolio management.

The position reports to the Commercial Relationship Manager or Market President and requires collaboration with treasury, mortgage, retail, wealth management, and investments partners.

Qualifications

• Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations.
• Ability to write information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.

Responsibilities

• Assists in commercial customer development, prospecting for new clients, and maintain existing Bank relationships.
• Marketing of Bank products and services and joint sales calls with Bank partners in treasury, mortgage, retail, wealth management, and investments.
• Development of centers-of-influence in the market to drive opportunities to the Bank.
• Available to attend weekly Director’s Loan Committee meetings and/or monthly Asset/Liability Committee meetings, when requested.
• Performs preliminary evaluation of credit request and prepares prescreens for assigned group as required for presentation to credit team.
• Commercial real estate lending maintenance related to past due accounts, covenant monitoring, and advancement of funds.
• Participates in formulation of credit structuring and development of term sheets.
• Manages assigned credits as required.
• Investment and working capital lending maintenance.
• Customer service across the loan portfolio.
• Attends Bank networking events and Bank-wide sponsorship functions.
• Professional representation of the Bank in public, social, and civic gatherings.
• Remains current on regulations, analysis and current trends in banking through continuing education classes/seminars.
• Assists in commercial bank recruiting efforts with local universities for internships and credit analyst.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program.

Job description

Southside Bank in Austin, TX is seeking a Full Time Professional to support commercial lending activities in the Austin Domain. The role focuses on generating new commercial customer relationships and maintaining the current base through credit analysis and portfolio management.

The position reports to the Commercial Relationship Manager or Market President and requires collaboration with treasury, mortgage, retail, wealth management, and investments partners.