Jefferson Bank
Commercial Lending Officer
Jefferson 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 & 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 and 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 loan and deposit portfolio as establishedPresent loan information to top management and board of directorsMINIMUM QUALIFICATIONS
:
Work Experience
5 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio managementAbility to provide excellent relationship management and business development/sales skillsThorough knowledge of bank products and servicesKnowledge of Bank Core SystemsPreferred Experience
N/ASupervisory Experience
One year supervisory experienceEducation/Skills/Experience
High School Diploma/GEDBachelor's degree preferredCredit analysis and underwriting skillsExcellent presentation, verbal and writing communication skillsNetworking in commercial marketsEquipment/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 machinesBank Core SystemsCompetency Requirements
Ability to work effectively with individuals and groups in managing customer relationshipsAbility to work independentlyAbility to connect and networking with business owners and leadersAbility to focus and interpret data to othersPhysical Requirements
Must be able to lift, push and pull files up to 10 lbsMust be able to bend, stoop and be mobile within office environmentMust be able to sit for most of the day in front of a computerMust be able to speak and hear clientsMust be able to see computer screen to read and type on the keyboardMust have reliable transportation and able to travel to make calls in San Antonio and surrounding areasOccasional 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 an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.
Click the link below to be redirected to the Equal Employment Opportunity Commission's website to view the "Know Your Rights" Poster:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf
:
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 & 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 and 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 loan and deposit portfolio as establishedPresent loan information to top management and board of directorsMINIMUM QUALIFICATIONS
:
Work Experience
5 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio managementAbility to provide excellent relationship management and business development/sales skillsThorough knowledge of bank products and servicesKnowledge of Bank Core SystemsPreferred Experience
N/ASupervisory Experience
One year supervisory experienceEducation/Skills/Experience
High School Diploma/GEDBachelor's degree preferredCredit analysis and underwriting skillsExcellent presentation, verbal and writing communication skillsNetworking in commercial marketsEquipment/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 machinesBank Core SystemsCompetency Requirements
Ability to work effectively with individuals and groups in managing customer relationshipsAbility to work independentlyAbility to connect and networking with business owners and leadersAbility to focus and interpret data to othersPhysical Requirements
Must be able to lift, push and pull files up to 10 lbsMust be able to bend, stoop and be mobile within office environmentMust be able to sit for most of the day in front of a computerMust be able to speak and hear clientsMust be able to see computer screen to read and type on the keyboardMust have reliable transportation and able to travel to make calls in San Antonio and surrounding areasOccasional 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 an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.
Click the link below to be redirected to the Equal Employment Opportunity Commission's website to view the "Know Your Rights" Poster:
https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf