ValueBank Texas · 4 months ago
Commercial Lending Officer
Corpus Christi, TX
Full-time
Onsite
Mid LevelValue Bank Texas is seeking a Commercial Lending Officer to perform all facets of commercial lending and develop new business contacts. The role involves making outside sales calls, managing loan accounts, and ensuring profitability while minimizing risk.
BankingFinancial Services
Responsibilities
Responsible for having knowledge of bank services and cross selling products based on the customer’s financial needs
Responsible for establishing customer relationships to assure the ongoing growth of loans and deposits
Assist in closing loans
Interview loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request
Establish and negotiate where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements
Collect and analyze information that reflects the creditworthiness of current customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview
Monitor loan repayment activities and take necessary action to collect from past due accounts
Develop material for and make loan presentations to the Senior Loan Committee where required
Check loan documentation and computations of loan support documentation
Monitor credit and collateral exceptions
Qualification
Required
Perform all facets of Commercial lending including making outside sales calls through the use of new business development tools
Develop and manage loan accounts which meet established lending requirements and provide maximum profitability to the bank with minimum risk
Carry out public relations and participate in local events and organizations to represent the bank and develop new business contacts
Responsible for having knowledge of bank services and cross selling products based on the customer's financial needs
Responsible for establishing customer relationships to assure the ongoing growth of loans and deposits
Assist in closing loans
Interview loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request
Establish and negotiate where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements
Collect and analyze information that reflects the creditworthiness of current customers and the current merits of existing loans
Monitor loan repayment activities and take necessary action to collect from past due accounts
Develop material for and make loan presentations to the Senior Loan Committee where required
Check loan documentation and computations of loan support documentation
Monitor credit and collateral exceptions
Ability to Commute: Corpus Christi, TX 78411 (Required)
Ability to Relocate: Corpus Christi, TX 78411: Relocate before starting work (Required)
Work Location: In person
Benefits
401(k)
Dental insurance
Health insurance
Health savings account
Life insurance
Paid time off
Vision insurance
Company
ValueBank Texas
ValueBank Texas is a full service Independent Community Bank serving businesses and families throughout the Coastal Bend.
Founded in 1966
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Scott Heitkamp
President/CEO
Seth Watts, CMA, CFM
EVP / Chief Financial Officer
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