JOB FUNCTION:

This position will generate, retain, and expand small business lending relationships to new and existing customers through team referrals, center of influence and direct prospecting primarily in the New Braunfels market. Banker will concentrate on small businesses that generate up to $5 million in annual revenues, with a typical loan size up to $250,000 and total loan relationship size up to $1,000,000.00.

DUTIES & RESPONSIBILITIES:

Generate, retain, and expand small business lending relationships to new and existing customers from referrals from the branches and commercial lenders, as well as, centers of influence and direct prospecting, if needed

Be a resource for branch team(s)
Assist with credit and deposit needs of an existing loan and deposit portfolio
Cross-sell bank investment, trust, deposit, residential mortgages, and other bank 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 an existing loan and deposit portfolio
Present loan information to top management and board of directors
Participate in community-oriented and professional organizations
Assist SBA Manager as needed

MINIMUM QUALIFICATIONS:

Work Experience

2 years or more of credit analyst experience on commercial real estate and C&I loans to include credit underwriting and loan documentation.
2 years work experience in the New Braunfels market, preferred
Strong Credit analysis and underwriting skills

Preferred Experience

Thorough knowledge of bank products and services
3 years or more commercial banking experience to include business development and portfolio management.

Supervisory Experience

Driving Position

Yes, valid driver’s license required

Education/Skills/Experience

High School Diploma/GED
Bachelor’s degree preferred
Ability to provide excellent relationship management and business development/sales skills
Excellent verbal and written presentation and communication skills

Equipment/Machines/Software

Excellent computer literacy in all Microsoft Programs (Outlook, Word, Excel and Power Point)
Proficient in Adobe Reader and IE 7 and 8 and other popular browsers,
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 extended periods of time, 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

Learn more about this Employer on their Career Site

Commercial Lending Officer