Under general supervision, but in accordance with established lending policies and procedures, receives and reviews applications for commercial and consumer credit, primarily commercial.
Solicits business from potential and existing customers (outside and inside bank location) to include loans and deposits.
Interviews commercial applicants and processes loan applications.
Analyzes applicant's financial status and credit to determine feasibility of granting loan.
Prepares appropriate loan documentation and verifies loan agreements are complete and accurate according to bank policy.
Approves loans that meet established lending criteria and are within approved lending limits.
Maintains customer relationships.
Manages a portfolio of consumer and commercial loans (primarily commercial).
May coordinate some collection efforts.
Provides and maintains a professional, business-like atmosphere within the banking division.
Represents the financial institution in public relations activities and community affairs.
Bachelor's degree or equivalent work experience.
A minimum of 5 - 6 years experience in a financial institution as a commercial lender.
Knowledgeable of laws and regulations applicable to lending practices.
Proven history of developing new business and successfully managing a portfolio.
Regular and reliable attendance.
Works cooperatively with others.
Strong interpersonal skills.
Excellent foundation in commercial lending.
Sales oriented.
Strong desire to be part of a winning team that is growing our presence in Texas.