Herring Bank

Commercial Lender Any Location

Location

Amarillo, TX

Type

Full Time

FLSA:

Exempt

JOB TITLE:

Commercial Lender

CATEGORY:

Full time

LOCATION:

Branch

SHIFT:

Monday–Friday, some Saturdays, flexible; typically, between 8:00 AM and 5:00 PM

REPORTS TO:

CCO, Market President

Summary

The Commercial Lender is responsible for soliciting, negotiating, and coordinating the closing of routine consumer, equipment, SBA, commercial real estate, and business loans, in compliance with the Bank's lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

 

Essential Duties

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank's products and services.
  • Interviews prospective loan applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
  • Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
  • Gathers and analyzes all information necessary to present a financing request to senior management or Loan Committee for approval; meets with existing or potential customers; visiting sites of borrowers; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Market President or Loan Committee.
  • Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
  • Ensures that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
  • Ensures that certification or deletion of collateral is made by the appropriate personnel.
  • Negotiates, underwrites and processes renewals of credit facilities.
  • Authorizes commitment, engagement, action and decline letters.
  • Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
  • Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing maintaining market position in the financing arena.
  • Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
  • Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated.
  • Assists in meeting annual deposit and loan growth budget goals
  • Assists in answering telephones, answer questions and directs callers to proper Bank personnel.
  • Additional duties as prescribed for officers of the Bank.
  • Must be organized, self-motivated and team player
  • Answer telephones, answers questions and direct callers to proper Bank personnel
  • Ability to operate a personal computer
  • Punctuality and good attendance are imperative
  • Cross-sell the Bank's other products and services, referring customers to appropriate staff as indicated Foster teamwork in the branch or department to ensure a positive overall customer experience and positive work environment.
  • Participate in bank training to enhance skill set and meet compliance requirements.
  • Exempt - Ability to work 45+ hours a week and complete tasks assigned.

 

Minimum Requirements

Must be able to pass a background and credit check.

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

  • High School diploma or equivalent and 10 years related lending/banking experience and/or training or a Bachelor's degree (BA) or equivalent from an accredited university + 5 years related lending/banking experience and/or training; Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
  • Must have current NMLS # or have the ability to obtain an NMLS with 30 days of hire.
  • Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
  • Basic experience, knowledge and training in all lending activities and terminology.
  • Must visit current customers and cold call potential customers outside the bank: calling the customer and physically visiting the customers’ location and meeting with potential clients.
  • Ability to read, and comprehend general business periodicals, professional journals, and technical procedures.
  • Basic knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.
  • Ability to exercise marketing and business development skills with customers.
  • Intermediate math skills; 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.
  • Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
  • Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
  • Basic knowledge of branch operation procedures, Bank products and services.
  • Excellent organizational and time management skills.
  • Excellent social and networking skills to support the community bank image
  • Complete in-house training based on requirements set up for this position
    • Proven ability to provide an Excellent Customer Experience
    • Basic skills in computer terminal and personal computer operation; word processing and spreadsheet software.
  • Ability to maintain confidentiality at all times
  • Ability to work with minimal supervision while performing duties.
  • Ability to deal with routine problems involving multiple facets and variables.
    • Must follow company policies, all state and federal laws, regulations and guidelines
  • Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

The incumbent must be able to perform this position safely, without endangering the health or safety to him or herself or others.

 

Secondary Duties

The position of Commercial Lender performs duties specific to the position and other functions as assigned.

 

Supervisory Responsibilities

Commercial Lender may be requested to assist in advising or supervising branch employees.

 

Environment and Physical Activity

The environment for this position is an open office that is mostly clean and comfortable and may include driving a personal-owned vehicle approximately 25% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.  This position will be required to be out of the bank at least 25% of the time and must be able to have the endurance to walk and/or stand for at least 20 minutes due to visiting with customers, potential customers and conducting periodic inspections.

 

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), driving, sitting, pulling, walking, standing, squatting, kneeling and reaching.

 

The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, calculator, computer terminal, personal computer and related printers

 

Mental Demands

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, and multiple concurrent tasks.

 

MEMBER FDIC – EQUAL OPPORTUNITY EMPLOYER

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other and/or different tasks be performed as assigned.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Company Website: www.herringbank.com

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U.S. Equal Opportunity Employment Information (Completion is voluntary)

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements.

Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.