Commercial Banker

Purpose of the Position:
Assumes responsibility for independently developing a portfolio of banking relationships with Houston based companies; these companies are primarily engaged in the manufacturing, distribution, and professional service industries.   Targeted clients will have revenues ranging from $5MM - $250MM.   Primary loan types include working capital lines of credit, term loans, owner occupied real estate loans, equipment loans, and ancillary loans with key principals of the business.  Depository & Treasury relationships will be developed as well to ensure a full banking relationship.  The ideal candidate will possess a well-established presence in the market, strong credit/underwriting expertise and maintain a consistent calling effort.  The banker will make presentations to the Senior Officers' Loan Committee and Directors' Loan Review Committee concerning the creditworthiness of the loan applications.  

Key Accountabilities:

• Develops and services new commercial loans, many of which are complex in nature, by:

• Actively participating in business development endeavors with potential and existing customers to develop new business and increase or retain existing business.
• Interviewing applicants to develop financial and credit information to ascertain needs, abilities, earnings, and bank risk.  Requesting and collecting necessary information needed to provide a complete financial package to underwriting partners.
• Ensuring the complete development and analysis of all financial data and monitoring accounts.
• Evaluating credit and terms in accordance with policy.
• Preparing and presenting/recommending to committees for lending approval.
• Assuming responsibility for proper documentation and review of accounts.
• Inspecting properties under construction & approving draw requests.
• Reviewing borrowing base reports and other periodic financial reporting.
• Taking ownership of the customer experience consistent with the banks mission vision and values.
   

• Monitors loans to ensure complete conformity with terms and to be aware of any developing trends.
• Monitors loans to ensure compliance with all regulatory requirements.
• Keeps abreast of changing business and economic developments which impact upon the general loan portfolio and its profitability.
• Represents Bank through community and professional involvement.
• Assumes added duties and responsibilities as requested.

Competencies & Skills:

• Strong proficiency using Microsoft Office products.
• Proficient with spreadsheet software.
• Experience with bank core systems.

Work Experience Requirements:

• 10+ years of Commercial Banking experience
• Demonstrated credit analysis/underwriting experience on complex loan transactions
• Formal Sales Training preferred
• Formal Credit Training preferred

Education Requirements:

• College degree from an accredited institution
• MBA: or degree focused on finance, real estate or accounting preferred