CRE Commercial Loan Officer

Important Information Regarding Application Process

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First Security Bank is seeking a professional, energetic, and team-oriented individual to join our team as a CRE Commercial Loan Officer. If you are passionate about serving our local communities and want to be part of a dynamic, service-driven team, we encourage you to apply! In this role, you will be responsible for originating, structuring, and managing a portfolio of commercial real estate loans for developer and investor clients.

The role serves as the primary relationship manager for assigned clients and prospects, delivering customized financing solutions while ensuring credit quality, risk management, and regulatory compliance. Candidates will grow and maintain strong relationships with developers, investors, and referral partners across the Texas market. This position requires on-site work and the ability to travel for business purposes.

• Must be at least 18 years of age.
• Bachelor’s degree in finance, accounting, business, or a related field is required.
• Completion of formal credit training at a respected financial institution preferred.
• 12+ years of commercial real estate lending or CRE banking experience, with a demonstrated focus on origination and relationship management required.
• Proven track record of sourcing and closing CRE transactions, both construction and term loans required.
• Experience in administering construction loans and the draw process is required.
• Experience managing a CRE portfolio and working directly with internal management and credit partners is required.
• Strong analytical skills and superior communication skills (both oral and written) are required.
• Strong understanding of commercial real estate finance, underwriting, and risk management.
• Solid knowledge of Texas CRE markets and local sponsor landscape required.
• Ability to analyze project financial statements, rent rolls, pro formas, and appraisal reports.
• Ability to analyze guarantor financial statements and real estate schedules is required.
• Excellent relationship‑building, negotiation, and client communication skills.
• Prior experience managing a team is preferred.
• Strong organizational skills with the ability to manage multiple deals and priorities simultaneously.
• Proficiency with Outlook, Word, Excel, PowerPoint, and utilization of the internet is required.
• Commitment to demonstrating First Security’s Core 5 values with customers and coworkers.

Regularly Scheduled Hours/Week: 40 (+) hours per week. Monday – Friday 8:00 am – 5:00 pm.
* Extended working hours may be required.

• Originate new commercial real estate lending opportunities through direct sourcing, referrals, and relationships with developers, investors, brokers, attorneys, CPAs, and other intermediaries.
• Serve as the primary point of contact for CRE clients, providing strategic banking advice and long‑term relationship management.
• Develop and maintain a strong local presence and referral network within the Texas commercial real estate market.
• Structure, negotiate, and execute commercial real estate transactions, including construction, bridge, term, and mini‑perm loans across multiple asset classes.
• Conduct comprehensive deal analysis, including sponsor evaluation, property cash flow, market conditions, and collateral assessment.
• Prepare and present credit recommendations to internal credit committees, including loan memoranda and supporting documentation.
• Negotiate loan pricing, covenants, and closing conditions consistent with bank policies and risk appetite.
• Manage an assigned CRE loan and client portfolio, monitoring performance, financial reporting, covenant compliance, and overall credit quality.
• Proactively identify and mitigate emerging portfolio risks, escalating issues as appropriate.
• Partner with credit, underwriting, and loan…