Senior Loan Officer

Cypress Bank SSB; Pittsburg (TX); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

401(k) plan

Education benefits

Paid vacation

Paid holidays

Job summary

Cypress Bank, SSB in Pittsburg, TX is seeking a Senior Loan Officer to build relationships and manage consumer, commercial, and mortgage loan processes. You will order credit reports, assess applications, and ensure compliance with bank policies while delivering exceptional customer service.

The role requires a Bachelor's degree in business or finance and 3–5 years of lending experience; strong underwriting, communication, and leadership skills; and proficiency with Microsoft Office.

Qualifications

• Bachelor's degree in business, finance, or related field.
• 3–5 years of experience in a financial institution or loan setting.
• Strong credit and underwriting knowledge and sound judgement.

Responsibilities

• Interview consumer loan applicants and order credit reports; request specified information for loan application.
• Interview commercial loan applicants and order credit reports; request specified information for loan application.
• Interview mortgage loan applicants and order credit reports; requests specified information for loan application.
• Perform and understand mortgage and commercial underwriting.
• Notify applicants of loan decisions; correspond with customers to resolve questions regarding application information.
• Recommend and outline loan terms; inform prospective borrowers of loan commitments.
• Develop and maintain interest rate structure aligned with bank policies and market.

Skills

Relationship building

Credit underwriting

Communication

Financial analysis

Leadership

Bilingual preferred

Education

Bachelor's degree in business, finance, or related area

Tools

Microsoft Office Suite

Job description

Senior Loan Officer

Cypress Bank, SSB

• Location: Pittsburg
• Status: Full Time
• FLSA Status: Exempt
• EEO Category: Professionals
• Reports to: President
• Revised: 09/21/2026

Job Description

About the Role

Cypress Bank's culture supports customers in achieving their financial goals and dreams. A Senior Loan Officer is a relationship-focused lending professional who enjoys helping individuals, families, and businesses achieve their financial goals. Senior Loan Officers provide quality service and maintain compliance with bank policies having strong credit and underwriting knowledge, sound judgement and a commitment to exceptional customer service. Senior Loan Officers thrive in a community banking environment where decisions are made locally and personal relationships matter.

Job Duties:

• Interview consumer loan applicants and order credit reports; request specified information for loan application.
• Interview commercial loan applicants and order credit reports; request specified information for loan application.
• Interview mortgage loan applicants and order credit reports; requests specified information for loan application
• Perform and understand mortgage and commercial underwriting.
• Notify applicants of loan decisions; correspond with customers, applicants and/or creditors to resolve questions regarding application information.
• Recommend and outline loan terms; inform prospective borrowers of loan commitments.
• Develop and maintain interest rate structure that is consistent with financial institution policies and is competitive with current market.
• Review developing laws and regulations as they apply to installment loan security agreements.
• Manage delinquent loan account files for the financial institution.
• Complete property/collateral outside inspection as required.
• Maintain working knowledge and annual training on Bank Secrecy Act.
• Recognize and report suspicious activity.
• Perform other duties as assigned.

About You

Qualifications & Skills:

• Bilingual Preferred.
• Excellent communication and interpersonal skills.
• Proficient at writing and presenting credit memorandums.
• Good understanding and knowledge of financial institutions' products and services.
• Excellent cross-selling, management and organizational skills.
• Proven leadership skills.
• Knowledge of responsibilities under the Bank Secrecy Act through initial and periodic training.
• Proficient in Microsoft Office including Outlook, Word, and Excel.
• Ability to lift up to 25lbs.

Education, Experience & Licenses:

• Bachelor's degree in business, finance, or related area.
• 3 to 5 years of experience in a financial institution or loan setting.

Work Location:

Cypress Bank, SSB at 120 S. Greer Blvd. Pittsburg, TX 75686.

Schedule:

Monday–Thursday from 8:30am–5:00pm and Fridays from 8:30am–5:30pm with a 1–hour lunch break.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee must be able to lift up to 25 pounds.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

Compensation & Benefits:

Starting salary is dependent upon and may vary according to relevant experience and/or qualifications. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a retirement savings plan, including 401(k), long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer paid vacation and sick time and paid holidays. Vacation and Sick accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our Employee Policy.

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Cypress Bank, SSB does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.