TransPecos Banks is a member of the TransPecos Financial Corp., a Texas banking organization with locations throughout the TransPecos Region of West Texas and headquartered in San Antonio.
Certified as a Great Place to Work, we provide innovative business strategies and the highest level of customer care and leadership in the communities we serve. We are dedicated to achieving exceptional results and creating a great place to work for every one of our associates. We do this with an unrelenting focus on our Vision, Values, Culture, and Standards that support the TransPecos Way of operating.
Commercial Loan Officer
The Commercial Loan Officer is responsible for developing and maintaining a portfolio of quality commercial and industrial business credits. They are responsible for originating new relationships, structuring loans, and leading the underwriting process. They work closely with portfolio managers and loan operations on the servicing and maintenance of these relationships, while working to identify new opportunities.
Essential Duties & Responsibilities:
To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Participate in commercial and industrial business development activities with small to mid-sized business customers.- Evaluate opportunities with effective and thorough relationship development, information gathering, and analysis of customer businesses; obtains all critical information to be used in decision making.
- Timely, accurate, and high-quality preparation of Loan Committee presentations following established guidelines and internal policies. Able to confidently present loan information to the committee and answer questions promptly and accurately.
- Analyze financial statements received on bank commercial loan customers. Work with Credit Analyst regarding analyses and spreads on individual, partnership, and corporate commercial loan customers.
- Conduct loan closings professionally and accurately. Ensure documentation is complete and all policies and guidelines are followed.
- Completely understand required regulations and relevance to the loan portfolio; explain regulations to customers with clarity and professionalism.
- Conduct consistent effective on-site with existing customers to cross sell new business, collateral verification, and evaluation of existing credits.
- Works with Portfolio Managers and Loan Operations to effectively service existing credits to maintain portfolio integrity and quality. Promptly addresses any adverse credit situations with professionalism and tact and in the best interests of the bank. Ensure management is aware of potential risks as they arise.
- Promptly and accurately provide required information for Adversely-Rated loans and take appropriate steps to protect bank's position. Work with the Chief Lending Officer and credit team to implement strategies for work out of adverse credits where appropriate.
- Work effectively with the lending team and other bank staff regarding timely and accurate loan document preparation, customer contact and overall productivity.
- Understand and follow TransPecos Banks' Loan Policy as well as all established lending procedures and guidelines regarding the loan portfolio.
- Work to meet production and quality goals
- Carries out responsibilities with a commitment to process excellence, the highest professionalism, respect for others, and in accordance with the organization's policies and applicable laws
- Any other duties as assigned.
Key Deliverables:
- High quality & profitable credits
- Customer Satisfaction & Retention
- Lending Compliance
Organizational Structure:
Reports to: Senior Lender
Supervises: None
Qualifications:
Required Knowledge/Skills:
- Minimum Bachelor's degree in Finance, Business, or Economics. MBA preferred.
- Minimum 3 years of lending experience.
- Excellent Communication Skills (interpersonal, presentation, and writing)
- Strong Time Management & Organizational Skills
Desired Knowledge/Skills:
- 3 years business development experience.
- Formal credit training.
- Advanced Degree
- Financial, Fintech, or Banking related experience
- Understands complex commercial banking relationships.
- Knowledgeable in commercial real estate and C & I lending practices.
- Knowledgeable in loan documentation requirements and government regulations for consumer, commercial and real estate loans.
- Ability and desire to work in a team environment
- Excellent administrative and PC skills to include Microsoft Office and analysis software products.
Talents:
- Resourcefulness
- Learning Agile
- Ability to Influence Others
- Strong Business Acumen
- People Acumen and the ability to quickly establish positive, professional, working relationships to influence others
- Strong analytical and problem-solving skills
- Self-directed and highly competitive
Other:
- Corrected vision.
- Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
- Must be able to lift to 20 pounds.