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Mortgage Solutions Financial · 1 day ago

Bank - Commercial Lender

First Bank & Trust of Memphis - Memphis - Memphis, TX 79245

Full-time

Onsite

Senior Level

$65K/yr - $100K/yr

5+ years exp

First Bank & Trust of Memphis-Amarillo is seeking a Commercial Lender responsible for developing, managing, and evaluating a portfolio of commercial loan accounts. The role involves analyzing financial data, structuring lending solutions, and driving business development while ensuring exceptional customer service.

FinanceFinancial ServicesMortgage

Growth Opportunities

Responsibilities

Interview loan applicants and analyze complex financial data, including statements and tax returns, to determine the creditworthiness of prospective borrowers

Establish and negotiate terms under which credit will be extended, including rates, loan structure, and collateral requirements, based on the borrower’s financial status and the bank’s lending policy

Underwrite and analyze credit and financial information to determine creditworthiness

Prepare loan proposals, presentations, and detailed credit memos for loan committees or internal approvers

Approve loans up to individual lending authority and serve as the contact officer on loans exceeding this limit

Monitor and evaluate the financial condition of existing loans through direct inspection, review of interim financial reports, and personal interviews

Manage a loan portfolio and maintain strong, long-term relationships with clients to drive growth and success

Develop new business by actively contacting prospective customers and cross-selling bank products and services

Monitor loan repayment activities and assist with collection duties on past-due accounts

Communicate loan decisions, terms, and conditions to clients and ensure all loan documentation is compliant with company policies and procedures

Participate in various community affairs to increase the bank's visibility and create new business opportunities

Regular, reliable and predictable attendance is an essential function of this role

Perform other duties as assigned

Qualification

Credit analysisFinancial analysisLoan documentationPortfolio managementRegulatory complianceCustomer serviceBusiness developmentCommunication skills

Required

A technical level of knowledge normally acquired through completion of an undergraduate program in business administration, finance, related field or a combination of equivalent education and experience required

At least 5 to 7 years of progressively increasing responsible commercial lending experience is required

Strong understanding of credit and financial analysis, with the ability to evaluate and analyze complex financial statements and tax returns

Knowledge of loan documentation and portfolio management is required

Excellent verbal and written communication skills (using accurate word usage, grammar, and spelling) to present to committees and communicate clearly with clients

Professional phone etiquette is essential

Strong customer service skills and ability to build long-term relationships with clients

Knowledge of regulatory compliance and lending policies and procedures, ensuring all documentation complies