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Salary
Why Broadway Bank:
We are one of the largest independently owned banks in Texas with offerings in personal and private banking, wealth management, business banking and mortgage lending.
Purpose of the Position:
Assumes responsibility for independently developing a portfolio of banking relationships with Houston based companies; these companies are primarily engaged in the manufacturing, distribution, and professional service industries. Targeted clients will have revenues ranging from $5MM - $250MM. Primary loan types include working capital lines of credit, term loans, owner occupied real estate loans, equipment loans, and ancillary loans with key principals of the business. Depository & Treasury relationships will be developed as well to ensure a full banking relationship. The ideal candidate will possess a well established presence in market, strong credit/underwriting expertise and maintain a consistent calling effort. The banker will make presentations to the Senior Officers' Loan Committee and Directors' Loan Review Committee concerning the creditworthiness of the loan applications.
Key Accountabilities:
- Develops and services new commercial loans, many of which are complex in nature, by:
- Actively participating in business development endeavors with potential and existing customers to develop new business and increase or retain existing business.
- Interviewing applicants to develop financial and credit information to ascertain needs, abilities, earnings, and bank risk. Requesting and collecting necessary information needed to provide a complete financial package to underwriting partners.
- Ensuring the complete development and analysis of all financial data and monitoring accounts.
- Evaluating credit and terms in accordance with policy.
- Preparing and presenting/recommending to committees for lending approval.
- Assuming responsibility for proper documentation and review of accounts.
- Inspecting properties under construction & approving draw requests.
- Reviewing borrowing base reports and other periodic financial reporting.
- Taking ownership of the customer experience consistent with the banks mission vision and values.
- Monitors loans to ensure complete conformity with terms and to be aware of any developing trends.
- Monitors loans to ensure compliance with all regulatory requirements.
- Keeps abreast of changing business and economic developments which impact upon the general loan portfolio and its profitability.
- Represents Bank through community and professional involvement.
- Assumes added duties and responsibilities as requested.
Competencies & Skills:
- Strong proficiency using Microsoft Office products.
- Proficient in spreadsheet software.
- Experience with bank core systems.
Work Experience Requirements:
- 10+ years Commercial Banking experience
- Demonstrated credit analysis/underwriting experience on complex loan transactions
- Formal Sales Training preferred
- Formal Credit Training preferred
Education Requirements:
- College degree from an accredited institution
- MBA: or degree focused on finance, real estate or accounting preferred
Other Requirements:
- Meet and maintain financial responsibility, character and general fitness standards along with all other established requirements for an individual Loan Originator (LO) in accordance with Regulation Z.
We’re a culture that offers resources to benefit your overall health and well-being:
- Employee Impact Groups
- Career Development and Mentorship Programs
- Generous paid time off, minimum 4 weeks
- Employee recognition, awards, and events
- Free vision insurance
- Retirement matching
- Tuition reimbursement
