Commercial Lending Officer

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 & 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 and 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 loan and deposit portfolio as established
• Present loan information to top management and board of directors
• Other duties as assigned

** MINIMUM QUALIFICATIONS**:

**Work Experience **

• 2 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management
• Ability to provide excellent relationship management and business development/sales skills
• Thorough knowledge of bank products and services
• Knowledge of Bank Core Systems

Preferred Experience (Optional)

• N/A

**Supervisory Experience **

• Supervisory experience preferred but not required

Education/Skills/Experience

• Bachelor's degree and/or a combination of High School/GED Equivalent with 2 years of commercial lending experience
• Credit analysis and underwriting experience
• Excellent presentation, verbal and writing communication skills
• Networking in commercial markets

**Equipment/Machines/Software **

• Excellent computer literacy in all Microsoft Programs (Outlook, IE 7 and 8 and
• other popular browsers, Word, Excel, Power Point, Adobe Reader)
• Ability to work with office equipment such as copiers, scanners, shredders, fax

Competency Requirements

• Ability to work effectively with individuals and groups in managing customer relationships
• Ability to work independently
• Ability to connect and networking with business owners and leaders
• Ability to focus and interpret data to others

Physical Requirements

• Office/Building mobility, good vision, and hearing for traveling to various locations
• Must be able to verbally speak to communicate with clients
• Must be able to sit at workstation and looking at PC for most of the day, keyboarding/typing
• Must have reliable transportation and able to travel to make calls in San Antonio and surrounding areas

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that the employee is responsible for. Duties and tasks may be assigned by the management team based on department and business needs.

Jefferson Bank is an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.

Click The Link Below To Be Redirected To The Equal Employment Opportunity Commission's Website To View The "Know Your Rights" Poster

https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf