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Job Description:
Office Location:Fulshear, Texas, United States
SCOPE/CONTACTS:Incumbent is accountable for providing the Branch and Bank with sound, quality loan income, and has direct responsibility for Commercial, Real Estate, Consumer, Professional and Executive lending activities, and is responsible for profitability, compliance to banking laws and regulations, and adherence to the Bank's policies and procedures. The incumbent critiques and guides other commercial loan officers and ensure deviation from standard policies and procedures are approved. The incumbent directs and personally participates in the development of quality business through interactions with potential customers and maintains favorable banking relationships with existing customers. The incumbent often represents the Bank at many community functions and must be able to effectively function with a variety of people in any situation. Must exercise good interpersonal and communication skills.
ESSENTIAL FUNCTIONS: - Seek out and close loans to ensure the maximum overall profitability of the Branch and Bank's commercial lending activities.
- Manage the Branch's Commercial and Consumer Loan portfolio and constantly develop new business and enhance the existing business.
- Manage, direct and motivate officers and employees at branch involved with Retail banking, installment and commercial lending activities.
- Must actively participate in Customer Service First sales and service culture, support the values of the organization and follow established company policies and procedures.
MINIMUM QUALIFICATIONS: - 8 years extensive experience in credit and lending activities, and management of a minimum staff of 5, is required.
- Credit analysis, accounting principles, banking laws/regulations and operations, management principles, marketing techniques, communication skills and economics acquired by a college degree and management training programs.
- Incumbent must have prudent judgment in decisions involving lending activities and in handling of customers, subordinate officers and employees.
- Excellent oral and written communication skills are required as well as a proven record of community involvement.
- Candidate must be willing to reside or relocate to the market area.
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.
