Location
Uvalde TX
Industry
Finance

About the Institution

The institution is committed to delivering premier banking services with integrity, hospitality, and a bold Texas spirit. This bank is focused building long-term relationships through personalized service that honors the traditions of its founders.

The institution takes pride in continuing the legacy set by its early leaders, driven by a passion to be the premier financial provider in Southwest Texas and beyond. It's mission is to offer trusted banking solutions, services, and products while delivering the highest quality customer service with genuine Southern warmth.

Core Values

At the heart of its operations are key values: to be friendly, professional, proactive, knowledgeable, and accountable in all endeavors.

The Position

As a team member, this role is expected to lead by example, embody the institution’s core values, and foster a culture of good character, excellence, collaboration, and performance. The goal is to ensure that colleagues, clients, and the community experience a consistent and exceptional standard of service. The individual is also expected to actively promote and support the institution’s brand and public image.

Commercial Loan Officer Opportunity

The institution is seeking an experienced Sr Commercial Loan Officer to manage an established loan portfolio and contribute meaningfully to the commercial lending team.

Essential Duties and Responsibilities

Primary Functions:

  • Service and maintain a substantial existing commercial loan portfolio.

  • Actively identify and pursue new commercial lending and banking product opportunities within the current portfolio and among new prospects.

  • Demonstrate excellent interpersonal and communication skills while positively representing the institution in customer interactions, the industry, professional associations, community groups, and local business networks.

  • Effectively manage the existing portfolio by obtaining updated financial and covenant information, evaluating credit conditions, repayment ability, and collateral positions.

  • Understand various types of collateral and the legal requirements associated with securing commercial loans.

  • Conduct frequent external visits to clients and prospective customers.

  • Collaborate effectively with internal teams and build strong relationships with clients, reflecting the institution’s legacy and its mission, vision, and values.

Qualifications:

  • Bachelor’s degree in accounting, finance, or business is preferred.

  • A minimum of 10 years of experience in commercial lending is also preferred.

  • Proficiency or the ability to become proficient in the institution’s CORE loan and credit underwriting systems.

  • Strong oral and written communication skills, with the ability to interact across all levels of the organization.

  • Demonstrated expertise in credit underwriting, financial analysis, and cash flow evaluation.

  • Ability to work independently, prioritize tasks, adapt to changing circumstances, problem-solve effectively, and take initiative.