JOB FUNCTION: This position will develop loan and deposit business by leading a team of commercial lenders and bankers calling on small to middle market commercial companies, professionals and associations primarily located in the Austin Texas area. Play an active role in the community to further develop business opportunities. Assist on an as needed basis to develop and write loan policy, procedure and contribute to the overall commercial lending strategy.
DUTIES & RESPONSIBILITIES:- Is responsible for developing commercial loans and managing all aspects of loan and deposit growth in the Austin market.
- Participates in setting goals for the Austin market by calling on prospective and existing clients to generate loans, deposits and referrals to other areas of the Bank.
- Cross-sell bank investment, mortgage, insurance, trust, deposit and loan products.
- Present loan information to top management and board of directors.
- Approve loans within prescribed loan authority limits.
- Provides guidance to assigned lending group and banking center group.
- Assist in calling efforts of assigned lending group and accountable for the direct loan and deposit goals of the group.
- Accountable for past due loan collection efforts and loan exception levels of assigned lending group.
- Writes performance reviews and set individual lending goals for assigned group
- Provide leadership, vision, coaching, and professional development opportunities to team members; inspire and motivate team members to achieve their goals, manage underperformers as required; model excellence and focus on results.
- Plays and active role in the community to further develop business and represent Jefferson Bank.
MINIMUM QUALIFICATIONS: Work Experience - 10 years or more commercial lending experience to include 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 - 5 plus years of supervisory experience
Education/Skills - High School Diploma
- Bachelor degree in business, accounting, finance or other related field
- Credit analysis and underwriting skills
- Excellent presentation, verbal and writing communication skills
Position Includes Driving - Yes, valid drivers license required
Competency Requirements- Ability to work effectively with individuals and groups in managing customer relationships
- Ability to work independently and make decisions
- Ability to connect various levels of employees and other leaders
- Ability to understand and interpret analysis and data to others. Strong verbal and written communication skills
- Ability to multitask and prioritize various responsibilities
- Must be even tempered to deal with complex employee and customer situations
Physical Requirements- Office/Building mobility, good vision, and hearing for traveling to various locations
- Must be able to verbally speak to communicate with clients and employees
- Must be able to sit at workstation and read from the computer screen for extended periods of time
- Must be able to use a keyboarding/typing
- Must have reliable transportation and able to travel San Antonio and to make calls in Austin and surrounding areas
Equipment/Machines/Software - Excellent computer literacy in all Microsoft Programs (Outlook, Word, Excel, and PowerPoint)
- Efficiency in Adobe Reader and various internet browsers
- Ability to work with office equipment such as copiers, scanners, shredders, fax, cell phones and other digital devices
This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible. Duties and tasks may be assigned by management team based on department and business needs.
