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TexasBank · 1 day ago

Commercial Lending Officer

Dallas - Dallas, TX 75240

Full-time

Onsite

Senior Level

5+ years exp

TexasBank is seeking a Commercial Lending Officer responsible for expanding the bank's commercial loan portfolio by developing new business opportunities and cultivating client relationships. The role includes conducting credit analysis, underwriting loan applications, ensuring regulatory compliance, and collaborating with various bank departments for seamless loan processing.

Banking

Responsibilities

Identify and develop new business opportunities to expand the bank’s commercial loan portfolio. Establish and cultivate relationships with prospective clients, business owners, and community leaders

Conduct thorough credit analysis, including financial statement reviews, risk assessments, and collateral evaluations. Structure and underwrite commercial loan applications to ensure they meet the bank’s credit policies and risk management guidelines

Design and negotiate appropriate loan structures and terms to meet client needs while aligning with the bank’s objectives

Maintain and enhance relationships with existing clients by providing exceptional service and conducting periodic reviews of loan arrangements. Address and resolve client inquiries and concerns promptly

Ensure all loan transactions comply with relevant banking regulations, internal policies, and industry best practices. Stay updated on regulatory changes and adjust procedures as necessary

Monitor and manage the performance of the loan portfolio, including assessing credit quality, conducting regular reviews, and taking corrective actions as needed

Prepare and maintain accurate documentation for loan applications, approvals, and servicing. Generate reports on loan performance, portfolio status, and other relevant metrics for management review

Work closely with other bank departments, such as risk management, compliance, and operations, to ensure seamless loan processing and servicing

Stay informed about market trends, economic conditions, and industry developments that may impact commercial lending. Provide insights and recommendations to clients and management

Other duties and special projects as assigned

Qualification

Commercial real estate lendingCredit analysisBusiness developmentFormal Credit TrainingMarket knowledgeCustomer serviceWritten communicationVerbal communicationAdaptability

Required

High School Diploma or equivalent

Five+ years of proven commercial real estate lending experience

Strong marketing and business development experience with a proven track record of originating term loans on commercial multi-family real estate properties

Commercial real estate market knowledge is required

Excellent written and verbal communication skills with the ability to interact effectively with people

Strong commitment and track record to providing high quality service levels to both external and internal customers

Ability to quickly adapt to new technological systems and business processes