Hilltop Bank is expanding our Commercial Lending Team!
Job Summary:
Develops and maintains a loan portfolio that satisfies quality standards and profitability according to established guidelines. Examines, evaluates, authorizes or recommends approval of loan applicants for individuals and businesses.
Primary Responsibilities for the Commercial Lender/Commercial Loan Officer: • Develops business loan and deposit relationships with existing and prospective customers • Interviews credit applicants; analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan • Compiles loan package and facilitates negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms. • Approves loan within specified limits or prepares loan presentation to loan committee for approval in compliance with the Bank's lending policies and procedures • Maintains loan file with current financial information per loan agreement • Responsible for monitoring own commercial portfolio, working past due accounts and collection efforts • Provides opportunities for relationship building by involving oneself in civic and community organizations and industry related groups • Identifies and analyzes potential loan markets to develop prospects for commercial loans
Qualifications for the Commercial Lender/Commercial Loan Officer: • Knowledge and understanding of commercial lending with the ability to identify primary and secondary sources of repayment • Ability to read, analyze financial statements, cash flows, technical procedures, bank and governmental regulations and make sound credit recommendations and decisions • Strong communication skills to write reports, business correspondence and effectively present information and responds to questions from groups of managers, clients, or board members • Use and understand various computer software related to carrying out essential responsibilities of the position • Strong interpersonal and problem solving skills; professional appearance • Bachelor's degree preferred with emphasis in business, finance or accounting; minimum of five years of commercial lending experience or three years as commercial lender with two year's or credit analyst or other related lending experience
No recruiters, please. Send confidential resume and letter of interest to: hrdirector@hilltop.bank or to apply online go to https://www.hilltop.bank/about/careers.