Position: Commercial Banker V | Division: Commercial Banking|
WorkDays: Monday - Friday| Hours of Operation: 8:00am - 5:00pm

Position Overview:

This role assumesresponsibility for independently developing a portfolio of bankingrelationships with companies based in the DFW area. Targeted clients willprimarily be involved in manufacturing, distribution, and professional servicesindustries, with revenues ranging from $5MM to $250MM. The Commercial Banker isexpected to originate and manage commercial loans such as working capital linesof credit, owner-occupied real estate loans, equipment loans, and loans to keyprincipals of the business. In addition to lending, the banker will developdepository and treasury management relationships to ensure a comprehensivebanking partnership. Strong credit and underwriting expertise are essential,along with maintaining a consistent business development effort. Presentationsto Senior Officers' Loan Committee and Directors' Loan Review Committeeregarding the creditworthiness of loan applications are key components of thisrole.

Essential Functions:

• Develops and manages a portfolio of commercial loans by proactively engaging in business development activities to acquire new clients and grow relationships with existing customers.
• Conducting client interviews to gather financial and credit information, assessing client needs and risk, and preparing necessary documentation such as financial and operating statements.
• Ensuring thorough financial analysis and credit evaluation in alignment with the bank's policies and guidelines.
• Presenting loan applications and credit recommendations to internal committees for approval.
• Overseeing loan documentation and ongoing account management, including construction site inspections and approving draw requests.
• Monitoring financial covenants and borrowing base reports, ensuring compliance with loan terms.
• Collaborates with clients to identify cross-sell opportunities, including depository and treasury services, to enhance the full banking relationship.
• Ensures ongoing monitoring of loan portfolios to guarantee conformity with the terms and identify potential risk factors or changes in borrower financial conditions.
• Ensures loans meet all regulatory requirements and maintains up-to-date knowledge of business and economic trends that may impact the bank's loan portfolio.
• Represents the bank in community and professional organizations, enhancing the bank's presence and fostering business relationships.
• Maintains the integrity of the customer experience, adhering to the bank's mission, vision, and values in every interaction.
• Assumes additional responsibilities as requested by senior management.
• This position may require travel within the Bank's geographic area.

Experience & Education:

• 10+ years of Commercial Banking experience, including significant business development efforts.
• Demonstrated expertise in credit analysis and underwriting, with a proven ability to structure and negotiate complex loan transactions.
• Formal Sales and Credit Training is preferred.
• Bachelor's degree in Finance, Real Estate, Accounting, or a related field is required; an MBA or a graduate degree in a related discipline is preferred.

Skills & Qualifications:

• Strong credit analysis and financial statement interpretation skills.
• Advanced knowledge of commercial lending products, policies, and procedures.
• Experience with bank core systems and strong proficiency in Microsoft Office, particularly Excel for financial modeling and analysis.
• Expertise in managing client relationships, with a proven ability to maintain and deepen banking relationships.
• Excellent presentation skills, with experience presenting to senior management and credit committees.
• Strong negotiation and structuring skills for complex transactions.
• Knowledge of regulatory requirements related to commercial lending, with an ability to ensure compliance.
• Proven ability to work in a team environment while managing individual responsibilities independently.
• Strong interpersonal skills with the ability to effectively communicate and negotiate with clients and colleagues.
• Demonstrated ability to stay abreast of economic and market trends impacting clients and the banking sector.

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.
• Requires the ability to lift, carry, push, pull weights or otherwise move objects weighing as much as 10 lbs. on a regular basis and/or for extended periods of time during the workday.
• Occasional overtime or extended hours may be required.

We're a culture that offersresources to benefit your overall health and well-being:

• Career Development and Mentorship Programs
• Generous paid time off, minimum 4 weeks
• Employee recognition, awards, and events
• Free vision insurance
• Retirement matching
• Tuition reimbursement

This job description is notdesigned to be a comprehensive listing of duties, responsibilities, oractivities that are required for this job. Duties, responsibilities, andactivities may change at any time with or without notice.