Commercial Lender (Full Time) - New Braunfels
About The Position
The primary role of the Commercial Lender is to grow and retain profitable relationships by focusing on delivering value-added solutions to clients and prospects. This role requires a fully experienced and qualified relationship manager capable of independent activity, with proven client relationship skills, extensive product knowledge, technical expertise, and strong transaction execution skills. Credit process management is a critical component, and performance will be measured by effectiveness in marketing areas such as calling activity, proposal generation, revenue generation, risk mitigation, relationship building, and contributing to the long-term growth of the franchise. The role also involves seeking opportunities to cross-sell and anticipate future client needs.
Requirements
- Formally credit trained and/or underwriting knowledge and experience is preferred.
- Typically, a minimum of seven years direct lending or credit support related experience with a focus on business relationships.
- Familiarity with the sales, loan processing, and closing processes.
- Extensive knowledge of Commercial Banking products and services, including working knowledge of C & I as well as Owner-Occupied and Investment Commercial Real Estate loans.
- Ability to expand loans, client relationships, and cross-sell bank products.
- Good interpersonal and communication skills.
- Proven track record of business development.
- Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions.
- Ability to interpret a variety of technical instructions and deal with multiple variables.
- Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.
- Ability to perform very simple algebra.
- Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.
- Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.
- Ability to conduct training, communicate at panel discussions, and make professional presentations.
Nice To Haves
- Bachelor's degree in banking, finance, or another related field is preferred.
Responsibilities
- Grow and retain profitable relationships by delivering value-added solutions to clients and prospects.
- Act as a fully experienced, qualified relationship manager capable of independent activity.
- Manage the credit process effectively.
- Solicit commercial clients and aggressively obtain new business through client and prospect calls, referrals, and cross-selling efforts.
- Obtain and maintain COI's and attend networking events in the assigned geographic area.
- Structure and analyze commercial and real estate loans, typically in the $1 million to $10 million range.
- Contribute to deposit growth by cross-selling and promoting additional banking products.
- Seek opportunities to cross-sell into every relationship and anticipate future client needs.
Benefits
- Prosperity Bank is an Equal Opportunity Employer.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
