JEFFERSON STATE BANK
Commercial Lending Officer
JEFFERSON STATE BANK, San Antonio, Texas, United States, 78208
*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 BankParticipate in community-oriented and professional organizationsCross-sell bank investment, trust, deposit, residential mortgages, and other loan productsAnalyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentationsEnsure loans are documented and closed properlyEnsure loans meet all regulatory and compliance guidelinesManage an existing loan and deposit portfolioPresent loan information to top management and board of directors
MINIMUM QUALIFICATIONS: *Work Experience *
7 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio managementAbove work experience in the San Antonio market preferredAbility to provide excellent relationship management and business development/sales skillsThorough knowledge of bank products and servicesKnowledge of bank core systems
Supervisory Experience
N/A
*Position includes Driving *
Yes, valid driver's license is required
*Education/Skills/Experience *
Bachelor's degree preferredHigh school diploma/GEDCredit analysis and underwriting skillsExcellent presentation, oral and writing communication skillsNetworking in commercial markets
Equipment/Machines/Software
Excellent computer literacy in all Microsoft programs (Outlook Word, Excel, and PowerPoint)Proficiency in Adobe Reader and various internet browsersAbility to work with office equipment such as copiers, scanners, shredders, and faxKnowledge of mortgage processing software
Competency Requirements
Ability to work effectively with individuals and group
Call on prospective and existing clients to generate loans, deposits and referrals to other areas of the BankParticipate in community-oriented and professional organizationsCross-sell bank investment, trust, deposit, residential mortgages, and other loan productsAnalyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentationsEnsure loans are documented and closed properlyEnsure loans meet all regulatory and compliance guidelinesManage an existing loan and deposit portfolioPresent loan information to top management and board of directors
MINIMUM QUALIFICATIONS: *Work Experience *
7 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio managementAbove work experience in the San Antonio market preferredAbility to provide excellent relationship management and business development/sales skillsThorough knowledge of bank products and servicesKnowledge of bank core systems
Supervisory Experience
N/A
*Position includes Driving *
Yes, valid driver's license is required
*Education/Skills/Experience *
Bachelor's degree preferredHigh school diploma/GEDCredit analysis and underwriting skillsExcellent presentation, oral and writing communication skillsNetworking in commercial markets
Equipment/Machines/Software
Excellent computer literacy in all Microsoft programs (Outlook Word, Excel, and PowerPoint)Proficiency in Adobe Reader and various internet browsersAbility to work with office equipment such as copiers, scanners, shredders, and faxKnowledge of mortgage processing software
Competency Requirements
Ability to work effectively with individuals and group