Loan Officer

The First State Bank; Victoria (TX); On-site; USD 80,000 - 120,000; Full time

Job summary

The First State Bank in Victoria, TX, is seeking a Senior Loan Officer to build and maintain strong relationships with current and prospective customers in Victoria and surrounding counties. You will apply a holistic banking approach, focusing on personalized service beyond sales.

In this role you will assess financial needs, manage credit submissions, guide clients through loan processes, stay informed on market trends, and collaborate with internal teams to deliver an exceptional customer

Qualifications

• Bachelor’s or Master’s degree from an accredited university preferred.
• 5+ years with education or 9+ years with requisite experience.
• Excellent verbal and written communication skills.
• Excellent interpersonal, customer service, and sales skills.
• Proficiency with Microsoft Office Suite.

Responsibilities

• Assess customers' financial needs to provide mutually beneficial solutions.
• Develop and maintain relationships with clients in Victoria and surrounding markets.
• Understand cash-flow principles to evaluate deals beyond surface level.
• Submit applications to credit analysts and assess creditworthiness of potential borrower; determine or recommend approval/denial.
• Approve or refer loans according to lending authority.
• Remain informed of market trends, loan products, and regulatory changes.
• Refer cross-sell opportunities by becoming knowledgeable about other bank products.
• Collaborate with internal teams to ensure a seamless loan process and exceptional customer experience.
• Maintain a robust referral network in the local banking community.
• Represent the bank at community and networking events to enhance visibility.

Skills

Verbal communication

Written communication

Interpersonal skills

Customer service

Sales skills

MS Office proficiency

Education

Bachelor’s degree or higher (preferred)

Tools

Microsoft Office Suite

Job description

Description

Who we are

The First State Bank is an independent community bank focused on relationship banking and providing exceptional customer service within the communities we serve. For over 70 years FSB has held these principles, down to the motto our customers have come to know us by -- "The Friendliest Bank Anywhere".

Position Summary

The Senior Loan Officer will be responsible for building and maintaining strong relationships with current and prospective customers in Victoria and surrounding counties. The ideal candidate holds a wholistic view of banking with a deep understanding of banking principles and a commitment to providing personalized service beyond sales.

Duties and Responsibilities

• Assess and understand customers' financial needs in order to provide mutually beneficial solutions aligned with customer goals and FSB guidelines
• Develop and maintain relationships with new and existing clients in Victoria county and surrounding markets
• Must understand basic cash-flow principles in order to understand if a good deal is a good deal beyond surface level conversations
• Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan within respective authority limits
• Approves or, when outside pre-approved lending limits, refers loans to management for further analysis and approval
• Remain informed of market trends, loan products, and regulatory changes to provide compliant and informed guidance to clients
• Must become knowledgeable about other bank products to identify and refer cross-sell opportunities
• Collaborate with internal teams to ensure a seamless loan process with an exceptional customer experience
• Maintains a robust referral network in the local banking community with builders, real estate agents, and other related industries
• Represent the bank at community and networking events to enhance visibility and brand recognition
• Performs other duties as assigned

Requirements

Qualifications, Skills, and Abilities

• Bachelor’s or Master\u2019s degree from an accredited university preferred
• 5+ years with education or 9+ years with requisite experience
• Excellent verbal and written communication skills
• Excellent interpersonal, customer service, and sales skills
• Proficiency with Microsoft Office Suite

EEO Statement

The First State Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or belief, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other legally-protected characteristic.