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Job Description:
Office Location:
El Campo, Texas, United States
SCOPE/CONTACTS:The incumbent is responsible for providing sound and profitable lending solutions to commercial customers and for maintaining a "full service" banking atmosphere. Incumbent has contacts on a daily basis with customers, bank management, loan administration personnel, and other personnel within the Bank to insure the customer's needs are met.
ESSENTIAL FUNCTIONS:- Predominantly make loans to credit worthy borrowers.
- This includes not only responding to requests from existing customers but also being proactive in the direct solicitation of new business from non-bank customers.
- Insure the collection on past due accounts and constantly monitor the assigned loan portfolio for any signs for credit deterioration.
- Monitor and adjust pricing on loans to ensure adequate yields are being maintained.
- Provide complete and accurate loan documentation and required collateral documentation to the Loan Administration Department on all loans made.
- Must actively participate in Customer Service First sales and service culture, support the values of the organization and follow established company policies and procedures.
- Community involvement is expected.
MINIMUM QUALIFICATIONS: - Knowledge of commercial lending laws, regulations, procedures, and experience in credit and/or collections preferred.
- Incumbent should have a four year business degree with emphasis on accounting and/or finance and one year credit analyst experience from a financial institute.
- Thorough documentation abilities and underwriting skills are needed.
- Proven business development skills are also essential.
- Must be able to analyze financial statements and communicate the strengths and weaknesses in a concise and accurate manner.
- Incumbent must exercise good communication and interpersonal skills. Incumbent must have working knowledge of all bank services.
The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as a detailed description of all work requirements that may be inherent in the job.
