The HT Group is currently partnering with an established community bank in the search for an experienced Commercial Loan Officer with previous mix of commercial and consumer lending experience for an immediate need for their branch supporting the Northeast San Antonio area. This individual will be responsible for developing new business, structuring and closing of consumer and commercial loans, as well as maintaining and servicing an existing portfolio. They will proactively execute integrated sales, service and relationship strategies to support growth and retention of commercial clients that have borrowing needs for complex commercial, consumer and/or mortgage loans.
Direct Hire – Base/bonus/solid benefits – Onsite in NE San Antonio/Schertz area
Duties and Responsibilities
- Responsible for originating, underwriting, closing and servicing loans.
- Maintaining and cultivating customer relationships for the bank.
- Analyzing and presenting loan requests to the appropriate committee.
- Monitor an existing consumer loan portfolio to ensure proper risk ratings and early identification of potential problems.
- Conduct a daily review, approval and disposition of consumer overdrafts
- Meets with customers as necessary during various stages of the lending process.
- Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
- Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
- Stay abreast of new types of loans and other financial services and products in order to better meet customer’s needs.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
- Monitors loan repayment activities and takes necessary action to collect from past due accounts.
- Aggressively seeks and obtains quality new business through client and prospect calls, referrals and cross selling efforts.
- Responsible for sales, credit analysis, proper loan structuring, and client interviewing
Education and Experience
- Bachelor’s degree in finance, business or economics preferred.
- Minimum of three years previous experience in loan operations (funding, servicing, processing) in a community bank or credit union required
- Formal credit training preferred.
- Thorough knowledge of the financial services industry, indirect & direct lending products (auto loans) and services.
- A strong understanding of lending and collection methods and regulations are required.
- The ability to effectively communicate both verbally and in written form with management, internal and external customers is required.
- A strong understanding of regulatory and legal requirements pertaining to the banking industry is required.
- Must be self-motivated and have an ability to work independently as well as in a team setting.
- High integrity and confidentiality required.