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Southside Bank · 2 months ago

Jr Lender- Commercial

Houston, TX, US

Full-time

Onsite

Entry Level

1+ years exp

Southside Bank is a financial institution focused on commercial lending. The Junior Lender will provide support to commercial lending activities, assist in generating new customer relationships, and maintain existing ones through credit analysis and portfolio management.

BankingFinanceFinancial Services

Responsibilities

Assists in commercial customer development, prospecting for new clients, and maintain existing Bank relationships

Marketing of Bank products and services and joint sales calls with Bank partners in treasury, mortgage, retail, wealth management, and investments

Development of centers-of-influence in the market to drive opportunities to the Bank

Available to attend weekly Director’s Loan Committee meetings and/or monthly Asset/Liability Committee meetings, when requested

Performs preliminary evaluation of credit request and prepares prescreens for assigned group as required for presentation to credit team

Commercial real estate lending maintenance related to past due accounts, covenant monitoring, and advancement of funds

Participates in formulation of credit structuring and development of term sheets

Manages assigned credits as required

Investment and working capital lending maintenance

Customer service across the loan portfolio

Attends Bank networking events and Bank-wide sponsorship functions

Professional representation of the Bank in public, social, and civic gatherings

Remains current on regulations, analysis and current trends in banking through continuing education classes/seminars

Assists in commercial bank recruiting efforts with local universities for internships and credit analyst

Maintains confidentiality of all sensitive Bank information

Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank’s mission, CORE Values, and Blue Book culture guide

Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees

Participates in proactive team efforts to achieve departmental and company goals

Understands and agrees to abide by the policies and procedures established at Southside Bank

Responsible for complying with audit policies and procedures as they pertain to this position

Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program

Must comply with all applicable laws and regulations

Provide leadership to others through example and sharing of knowledge

Complies with all safety policies, practices and procedures. Report all unsafe activities to supervisor and/or Human Resources

Performs additional duties as assigned or directed

Qualification

Credit analysisCommercial lendingPortfolio managementCustomer serviceProficient PC skillsProblem-solvingCommunication skillsOrganizational skillsTeam collaboration

Required

Four-year college degree; or one to four years related experience and/or training; or equivalent combination of education and experience

Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures or governmental regulations

Ability to write information and respond to questions from groups of managers, clients, customers, and the general public

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume

Ability to apply concepts of basic algebra and geometry

Ability to define problems; collect data, establish facts, and draw valid conclusions

Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables

Proficient personal computer skills including electronic mail, record-keeping, routine database activity, word processing, spreadsheet, graphics, etc

Handle multiple projects simultaneously

Prioritize, organize and delegate assignments

Manual dexterity sufficient to reach/handle items and work with fingers

Must be able to remain in a stationary position 90% of the time

The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc

Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone

Constantly positions self to operate on a computer

The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information when conversing

Monday through Friday; 8:00am – 5:00pm. Available for overtime as needed