Commercial Lending Officer

Harrison Gray Search has partnered with an independent San Antonio bank to find their next Commercial Lending Officer.

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 San Antonio and the surrounding market areas. This position will manage the loan process including credit underwriting, loan documentation, and ongoing loan portfolio management.

This individual willplay an active role in the community to further develop business opportunities, as well as assist on an as-needed basis with the 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 Bank
• Participate in community-oriented and professional organizations
• Cross-sell bank investment, trust, deposit and loan products
• Analyze financial statements, underwrite credit, prepare credit memos, and assist in the preparation of loan presentations
• Ensure loans are documented and closed properly
• Ensure loans meet all regulatory and compliance guidelines
• Manage loan and deposit portfolio as established
• Present loan information to top management and board of directors

MINIMUM QUALIFICATIONS:

Work Experience

• 5 years or more Commercial Lending experience including business development, credit underwriting, loan documentation, and portfolio management
• Ability to provide excellent relationship management and business development/sales skills
• Thorough knowledge of bank products and services
• Knowledge of Bank Core Systems

Supervisory Experience

• One year of supervisory experience

Education/Skills/Experience

• High School Diploma/GED
• Bachelors degree preferred
• Credit analysis and underwriting skills
• Excellent presentation, verbal, and writing communication skills
• Experience networking in commercial markets
• Excellent computer literacy in all Microsoft Programs (Outlook, Internet browsers, Word, Excel,PowerPoint, Adobe Reader)
• Ability to work with office equipment

Competency Requirements

• Ability to work effectively with individuals and groups in managing customer relationships, as well as the ability to work well independently
• Ability to connect and network with business owners and leaders
• Ability to focus and interpret data for others

Physical Requirements

• Must be able to lift, push, and pull files up to 10 lbs
• Must be able to bend, stoop, and be mobile within an office environment
• Must be able to sit for most of the day in front of a computer
• Must be able to speak and hear clients
• Must be able to see the computer screen to read and type on the keyboard
• Must have reliable transportation and be able to travel to make calls in San Antonio and surrounding areas
• Occasional 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 the employee is responsible for.Duties and tasks may be assigned by the management team based on department and business needs.