Senior Commercial Lender

MidFirst Bank; Houston (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

MidFirst Bank in Houston seeks a seasoned banking professional to build and maintain relationships with borrowers and prospects. The role requires deep knowledge of the local real estate and commercial/industrial markets and the ability to connect with multiple prospects to develop a quality portfolio.

The ideal candidate has 8+ years in commercial lending and account management, with strong credit and analytical skills to underwrite opportunities in the Houston market.

Qualifications

• 8+ years of experience in commercial lending and account management within a financial institution
• Deep knowledge of local real estate and commercial/industrial markets
• Strong credit and analytical skills for underwriting lending opportunities in Houston

Responsibilities

• Underwrite commercial loans and analyze financial statements of sponsors/guarantors
• Prepare credit evaluations and reports
• Maintain and grow a profitable loan portfolio in the Houston market
• Ensure compliance with banking regulations and confidentiality practices
• Coordinate with borrowers and prospects to develop a quality portfolio

Skills

Relationship building

Credit analysis

Communication skills

Portfolio management

Analytical mindset

Tools

Microsoft Office

Job description

This position requires a seasoned banking professional who is adept at building and maintaining relationships with borrowers and prospects. The candidate should have a thorough knowledge of the local real estate and commercial/industrial marketplaces and the ability to quickly connect with a multitude of prospects to develop a quality portfolio.

Candidate must have 8+ years of experience in an array of commercial lending and account management experience in a financial institution with all product types and have a strong credit/analytical skill set to underwrite lending opportunities in the Houston market. A successful candidate will have excellent oral and written communication skills as well as a focus on maintaining a portfolio that achieves the company’s goals for profitability.

• Thorough knowledge in review, analysis, and underwriting of commercial real estate loans and personal/corporate financial statements pertaining to Sponsors/Guarantors.
• Solid understanding of regulatory compliance issues related to lending, environmental requirements, and local building practices.
• Expertise in lending practices to include: loan documentation, perfection of security interest, lines of credit, financial statement analysis, cash flow analysis, regulatory compliance and confidentiality practices.
• Thorough understanding of commercial building construction procedures and practices.
• Ability to write reports, business correspondence, and complete credit evaluations.
• Working knowledge of the Microsoft Suite (e.g., Work, Excel, PowerPoint, Outlook).
• Knowledge of accounting policies and bank regulations.
• Ability to seek and gather information from multiple sources, and manage multiple tasks.