Stellar Bank
Commercial Lender - 290/Gessner
Stellar Bank, Houston, Texas, United States, 77246
Research shows that individuals from historically underrepresented groups may hesitate to apply for roles unless they meet every listed requirement. If you believe your skills, knowledge, and experience align with the role, even if they don't exactly match the listed qualifications, we encourage you to apply. Your unique talents may be exactly what we're looking for.
The
Commercial Lender I
works in conjunction with the Regional CEO and Commercial Lenders to develop business focusing on loans, deposit and Treasury Services
Responsibilities
Identify prospective clients and develop new business relationships with commercial clientsExamines, evaluates & recommends approval of commercial credits.Identifies & analyzes markets to develop prospects for commercial banking.Actively participates in business development & networking opportunities.Interviews customers & prospects to request specified information for credit applications and Treasury Services opportunities.Analyzes applicant's financial status, credit, & property evaluation to determine feasibility of granting loan. Works with credit analyst for verification & recommendation.Compiles loan package & facilitates negotiation of loan structure with applicant, including fees, loan repayment options, & other credit terms.Presents credits to loan committee for approval.Ensures loan agreements are complete & accurate according to policy.Assures timely loan closing & funding activities.Ability to actively manage client portfolio to include loan exception monitoring and credit quality.Follow and adhere to all Bank policies and regulations.Adherence to all policies and procedures of the Bank including BSA/AMLAny and all duties as requested by managementAbout You:
Bachelor's degree in Finance or related field, or equivalent work experience required.3+ years experience in banking relationship management role or related business lending experience; direct in-person contact preferred.General knowledge of core business products and services including deposit and Treasury Services.Strong understanding of credit products, credit application process, and potential outcomes.Ability to build relationships with clients and internal partners and influence others without direct control.Ability to identify opportunities and issues by asking targeted questions to assess current client needs and goals.Ability to consider and balance client needs and objectives with respect to associated challenges and risks.Ability to determine priorities on a daily basis and maintain a balanced work approach to achieve business objectives.Understanding of general and sound business practices, financial and economic concepts, and how business needs vary by industry/market.Must possess strong written, credit analysis and verbal communication skills with individuals at all levels, internally and externally.Proven track record of consistent loan and deposit production.Working knowledge of Microsoft Word, Excel and Outlook software.Stellar Benefits:
We believe that empowering people goes far beyond the workplace. That's why we've designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities
Health Care Coverage, no waiting periodDental/VisionSTD/LTDAnnual Performance Bonus Eligible401K with company matchPaid VacationVolunteer daysTravel StipendTuition AssistanceAnd MoreWhat it Means to Be Stellar:
Stellar Bank came to be in 2023, when Allegiance Bank and Community Bank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done
Join Stellar Bank and, yes, you'll be providing outstanding banking. But you'll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you'd be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar - for yourself and for everyone around you.
Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.
Other details
Job Family LendingPay Type Salary
Apply Now
The
Commercial Lender I
works in conjunction with the Regional CEO and Commercial Lenders to develop business focusing on loans, deposit and Treasury Services
Responsibilities
Identify prospective clients and develop new business relationships with commercial clientsExamines, evaluates & recommends approval of commercial credits.Identifies & analyzes markets to develop prospects for commercial banking.Actively participates in business development & networking opportunities.Interviews customers & prospects to request specified information for credit applications and Treasury Services opportunities.Analyzes applicant's financial status, credit, & property evaluation to determine feasibility of granting loan. Works with credit analyst for verification & recommendation.Compiles loan package & facilitates negotiation of loan structure with applicant, including fees, loan repayment options, & other credit terms.Presents credits to loan committee for approval.Ensures loan agreements are complete & accurate according to policy.Assures timely loan closing & funding activities.Ability to actively manage client portfolio to include loan exception monitoring and credit quality.Follow and adhere to all Bank policies and regulations.Adherence to all policies and procedures of the Bank including BSA/AMLAny and all duties as requested by managementAbout You:
Bachelor's degree in Finance or related field, or equivalent work experience required.3+ years experience in banking relationship management role or related business lending experience; direct in-person contact preferred.General knowledge of core business products and services including deposit and Treasury Services.Strong understanding of credit products, credit application process, and potential outcomes.Ability to build relationships with clients and internal partners and influence others without direct control.Ability to identify opportunities and issues by asking targeted questions to assess current client needs and goals.Ability to consider and balance client needs and objectives with respect to associated challenges and risks.Ability to determine priorities on a daily basis and maintain a balanced work approach to achieve business objectives.Understanding of general and sound business practices, financial and economic concepts, and how business needs vary by industry/market.Must possess strong written, credit analysis and verbal communication skills with individuals at all levels, internally and externally.Proven track record of consistent loan and deposit production.Working knowledge of Microsoft Word, Excel and Outlook software.Stellar Benefits:
We believe that empowering people goes far beyond the workplace. That's why we've designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities
Health Care Coverage, no waiting periodDental/VisionSTD/LTDAnnual Performance Bonus Eligible401K with company matchPaid VacationVolunteer daysTravel StipendTuition AssistanceAnd MoreWhat it Means to Be Stellar:
Stellar Bank came to be in 2023, when Allegiance Bank and Community Bank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done
Join Stellar Bank and, yes, you'll be providing outstanding banking. But you'll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you'd be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar - for yourself and for everyone around you.
Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.
Other details
Job Family LendingPay Type Salary
Apply Now