Job Information
JEFFERSON STATE BANK Commercial Lending Officer in San Antonio, Texas
*JOB FUNCTION: This position will develop loan and deposit business by calling on small to middle market commercial companies, professionals and associations primarily located in the San Antonio and surrounding market areas. Manage the loan process including credit underwriting, loan documentation and ongoing loan portfolio management. Play an active role in the community to further develop business opportunities. Assist on an as needed basis with credit and deposit needs of an existing loan and deposit portfolio. *DUTIES and RESPONSIBILITIES:
- Call on prospective and existing clients to generate loans, deposits and referrals to other areas of the Bank
- Participate in community-oriented and professional organizations
- Cross-sell bank investment, trust, deposit, residential mortgages, and other loan products
- Analyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentations
- Ensure loans are documented and closed properly
- Ensure loans meet all regulatory and compliance guidelines
- Manage an existing loan and deposit portfolio
- Present loan information to top management and board of directors
MINIMUM QUALIFICATIONS: *Work Experience*
- 7 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management
- Above work experience in the San Antonio market preferred
- 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
- N/A
*Position includes Driving *
- Yes, valid driver's license is required
*Education/Skills/Experience *
- Bachelor's degree preferred
- High school diploma/GED
- Credit analysis and underwriting skills
- Excellent presentation, oral and writing communication skills
- Networking in commercial markets
Equipment/Machines/Software
- Excellent computer literacy in all Microsoft programs (Outlook Word, Excel, and PowerPoint)
- Proficiency in Adobe Reader and various internet browsers
- Ability to work with office equipment such as copiers, scanners, shredders, and fax
- Knowledge of mortgage processing software
Competency Requirements
Ability to work effectively with individuals