Commercial Lending Officer (Req 1556)

JEFFERSON STATE BANK • Austin, TX • 3h ago

JOB FUNCTION

This position will develop loan and deposit business by calling on small to middle market commercial companies, professionals and associations primarily located in the San Antonio and surrounding market areas. Manage the loan process including credit underwriting, loan documentation and ongoing loan portfolio management.

Play an active role in the community to further develop business opportunities. Assist on an as needed basis with credit and deposit needs of an existing loan and deposit portfolio.

DUTIES and RESPONSIBILITIES

Call on prospective and existing clients to generate loans, deposits and referrals to other areas of the Bank

Participate in community-oriented and professional organizations

Cross-sell bank investment, trust, deposit and loan products

Analyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentations

Ensure loans are documented and closed properly

Ensure loans meet all regulatory and compliance guidelines

Manage loan and deposit portfolio as established

Present loan information to top management and board of directors

MINIMUM QUALIFICATIONS

Work Experience

5 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management

Ability to provide excellent relationship management and business development/sales skills

Thorough knowledge of bank products and services

Knowledge of Bank Core Systems

Preferred Experience

N/A

Supervisory Experience

One year supervisory experience

Education/Skills/Experience

High School Diploma/GED

Bachelors degree preferred

Credit analysis and underwriting skills

Excellent presentation, verbal and writing communication skills

Networking in commercial markets

Equipment/Machines/Software

Excellent computer literacy in all Microsoft Programs (Outlook, Internet browsers, Word, Excel,

Power Point, Adobe Reader)

Ability to work with office equipment such as copiers, scanners, shredders, and fax machines

Bank Core Systems

Competency Requirements

Ability to work effectively with individuals and groups in managing customer relationships

Ability to work independently

Ability to connect and networking with business owners and leaders

Ability to focus and interpret data to others

Physical Requirements

Must be able to lift, push and pull files up to 10 lbs

Must be able to bend, stoop and be mobile within office environment

Must be able to sit for most of the day in front of a computer

Must be able to speak and hear clients

Must be able to see computer screen to read and @type on the keyboard

Must have reliable transportation and able to travel to make calls in San Antonio and surrounding areas

Occasional travel to other banking centers for meetings

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible. Duties and tasks may be assigned by management team based on department and business needs.

Jefferson Bank is a VEVRAA Federal Contractor and desires priority referrals of protected veterans.

Jefferson Bank is an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.

Copy and paste the link below to be redirected to the Equal Employment Opportunity Commission's website to view the Know Your Rights Poster:

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