Abrar Admin

United Texas Bank

<div><p>The VP, Commercial Loan Officer is responsible for aggressively soliciting and servicing prospective customers, producing a variety of commercial loans, as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals, and may also be responsible for managing commercial lenders.</p>
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To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.<br>
<ul><li>Develop commercial real estate loans and deposit business by identifying prospects through a variety of sources, including calling on and setting up appointments with potential loan prospects.</li><li>Analyze financial information, including balance sheets, income statements, cash flow statements, and tax returns, to form an opinion of the creditworthiness of applicants based on sound risk-based examination of strengths and weaknesses.</li><li>Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.</li><li>Act as a mentor to less experienced credit staff, including technical guidance, time management skills, lending policy interpretations, and critical decision-making skills.</li><li>Provide analytical support directly to the President &amp; Chief Executive Officer to identify and measure credit risk and emerging trends within the association&rsquo;s overall loan portfolio.</li><li>Identify and generate leads for new business opportunities; obtain and analyze background information on potential customers.</li><li>Analyzes client-provided financial information to appropriately underwrite and/or present credit structures for approval. Understands credit structures for underwriting commercial loans and adheres to company policies and procedures.</li><li>Prepare written credit memorandums for presentation and approval.</li><li>Monitor compliance with CRC-approved terms for ongoing information requirements such as monthly financial statement information, borrowing base information, and/or loan or letter agreement covenants.</li><li>Exercise loan authority to make loans, issue letters of credit, lines of credit and pay overdrafts within designated authority.</li><li>Calls on customers and makes on-site visits to business customers to maintain rapport and to cross-sell other products and services. Calls on CPAs, attorneys, title companies, real estate brokers, and other sources to develop referral sources for new business.</li><li>Active in the assessment of annual credit goals and objectives to optimize utilization of human and financial resources and to achieve corporate financial goals.</li><li>Provide input and feedback to executive management regarding credit decisions on specific transactions.</li><li>Participate in meetings with other units/departments to provide input and improve the process.</li></ul></div><div>
The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.<br>
<ul><li>Comprehensive understanding of commercial and real estate underwriting practices and regulatory governance of commercial lending activities.</li><li>In-depth knowledge of economic, market, and competitor pricing trends to make informed recommendations for product pricing adjustments.</li><li>Strong leadership and organizational skills to effectively motivate and develop teams.</li><li>Well-developed interpersonal skills to positively represent the bank in interactions with staff, clients, vendors, management, and directors.</li><li>Proficient in auditing loan portfolios to ensure compliance with policy guidelines.</li><li>Effective problem-solving skills to investigate and resolve issues related to clients' accounts.</li><li>Ability to make decisive decisions and attend meetings, reporting on areas of responsibility as requested by the President.</li><li>Capability to work closely with senior management and various departments to implement programs that enhance the bank's growth.</li><li>Competence in monitoring economic, market, and competitor pricing, and making necessary adjustments.</li><li>Aptitude for collaborating with the President, CEO, CFO, COO, Branch Managers, Human Resource Manager, Marketing, and Compliance Coordinator.</li></ul></div><p><b>
UTB Employee Benefits:</b></p>
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As a full-time UTB employee, you&rsquo;ll enjoy an array of benefits, including a generous Paid Time Off allowance available for use during your first year, along with a great paid holiday schedule. We also offer our employees a selection of other benefits, including:</p><br>
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<ul><li>Medical</li><li>
Dental</li><li>
Vision</li><li>
Health Reimbursement Arrangement (HRA)</li><li>
Flexible Spending Account (FSA)</li><li>
Health Savings Account (HSA)</li><li>
401(k) with Employer Match</li></ul>
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<ul><li>Life Insurance &ndash; Employer Provided</li><li>
Supplemental Life - Voluntary</li><li>
Short-term Disability</li><li>
Long-term Disability</li><li>
Prescription Discount</li><li>
Discount Legal Services</li><li>
ID Theft Protection Services</li><li>
Pet Insurance</li></ul></div></div><br>
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UTB is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.</p></div>

VP, Commercial Loan Officer

Join United Texas Bank and explore 1   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

United Texas Bank

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VP, Commercial Loan Officer