Junior Lender (Full Time) - Victoria Main

Prosperity Bank • Victoria, TX

16h • Onsite

About The Position

A Junior Lender assists Senior Lenders with commercial loan origination, underwriting, and portfolio management, involving financial statement analysis, credit write-ups, client communication, and ensuring compliance, with a focus on learning to build business relationships and support loan growth for the Bank. This is an entry-level role that will support Senior Lenders.

Requirements

• Bachelor’s degree in banking, finance or another related field is preferred.
• Credit trained and /or underwriting knowledge and experience is preferred.
• Familiarity of the sales, loan processing and closing processes.
• 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.
• Must have excellent communication (written and verbal) and interpersonal skills.
• Strong analytical, problem-solving, and critical thinking skills.
• Ability to apply logical or scientific thinking to define problems, collect data establish facts and draw conclusions.
• Able to interpret a variety of technical instructions and can deal with multiple variables.
• Ability to compute discount, interest, profit, and loss; commission markup and selling price; and ratio, proportion, and percentage.
• Able 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, communicates at panel discussions, and make professional presentations.

Responsibilities

• Analyze financial statements, tax returns, and business plans to assess creditworthiness; help prepare credit memos.
• Gather necessary document from applicants, assist with loan structuring and help prepare loan presentations.
• Monitor existing loans, track covenants, collect financial reports, and assist with annual reviews.
• Communicate with business owners, answer inquiries, and provide updates on loan applications.
• Assist in finding new loan opportunities and cross-selling Bank services, often through community involvement.
• Ensure all loan files and processes meet regulator and internal Bank policies.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level