Apply on Employer Site

Texas Security Bank · 1 day ago

SVP, Associate Director (75363)

United States

Full-time

Remote

Lead/Staff

Texas Security Bank is an independent bank focused on the success of independent business owners. The Associate Director – Commercial Lending is responsible for the overall performance of the team of relationship managers and respective loan and deposit portfolios, ensuring compliance with bank policies and maximizing profits for shareholders and customers.

BankingBitcoinBuilding MaterialFinancial ServicesReal EstateVenture Capital

Growth Opportunities

Responsibilities

Ensures that tasks, objectives and goals designated and approved by the Bank’s Chief Banking Officer are fulfilled as directed

Ensures the Chief Banking remains fully informed on the conditions and operations of the team’s portfolio and the important factors influencing operations and decisions made by the Associate Director– Commercial Lending and respective team members

Develops annual team goals and monitors this in conjunction with the Chief Banking Officer. Associate Director – Commercial Lending shall perform quarterly production reviews with each relationship manager (goal vs. actual) and shall provide a quarterly consolidating team goal vs. actual report to the CEO, prior to the third Friday following quarter end

Supervises and works closely with all relationship managers to develop annual production and career development goals

Works with other departments and product specialists assigned to the team to ensure relationship managers can effectively cross-sell products and adhere to the associated implementation process

Ensures that all Commitment Reports are thorough, accurate and adhere to Bank policy

Monitors team overdraft, past dues, NSF, credit and collateral exceptions and ensures all are maintained within a reasonable minimum

Leads by example. The Associate Director – Commercial Lending is a “player coach”. He/she will set the standard in the areas of: 1. Adherence to and promotion of Corporate Values: 2. Production; 3. Portfolio Management; 4. Credit Underwriting; and 5. Commitment to Process, particularly in the areas of: 1. Loan Administration 2. Business Development 3. New Account opening 4. Approval Authority and Authorization Limits

Executes the TSB Business Development model by: 1. Engaging in business development activities through a network of contacts developed; 2. Performs queries utilizing Business Wise to ensure all companies have been contacted and rated; 3. Ensures all prospect calls are input into Business Wise; 4. Promotes the TSB Institute by ensuring top prospects are invited to monthly continuing education training; and 5. Promotes cross-selling of bank products – including residential mortgages, insurance, merchant card services, credit cards and cash management

Proactively reducing the departments’ watch and substandard loans

Represents the Bank in community, civic, and community reinvestment functions

Directs, monitors, and appraises the performance of relationship managers on the team

Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow through with customers and/or staff involved

Provides supervision and support to all areas of the branch or department where service or assistance is needed; oversees activities of assigned department personnel; opens and closes the department

Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the team, coordinating available resources (e.g., staff, materials, etc.) for maximum results

Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development

Assumes responsibility for special projects; gathers data and prepares reports for the Chief Executive Officer and Chief Credit Officer

Plays a positive role in the development and growth of assigned staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff

Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training

Processes, solves and answers complex customer transactions, problems or inquiries

Assumes responsibility for various team functions in the absence of staff members or in overload situations

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions

Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action

Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities

Qualification

Commercial LendingBanking ComplianceLeadershipFinancial AnalysisHuman Resource ManagementMicrosoft OfficeCommunication SkillsProblem Solving

Required

Bachelor's degree from a four-year college or university. Work-related experience must consist of management experience in the financial services industry. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related

Mastered knowledge of related state and federal banking compliance regulations, and other Bank operational policies

Mastered knowledge of Bank policies and procedures, and the Bank's products and services

Exceptional organization skills with the ability to provide leadership, supervision and training for three or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills

Advanced knowledge of human resource labor laws and policies

Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs

Basic typing skills to meet production needs of the position

Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs

Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees

Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate)

Ability to deal with complex problems involving multiple facets and variables in non-standardized situations

Ability to work with no supervision while performing duties

Current Texas driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities