First Lonestar Bank Commercial Lending Relationship Manager

Job Details

Job Location
:
Frisco, TX 75034

Position Type
:
Full Time

Education Level
: 4 Year Degree

Job Shift
:
Day

Job Category
:
Banking

ONLY COMPLETED APPLICATIONS WILL BE CONSIDERED FOR AN INTERVIEW

First Lonestar Bank, Frisco, TX - The Relationship Manager / Commercial Loan Officer is responsible for soliciting, negotiating, analyzing, underwriting and coordinating the closing of CRE and C&I business loans in compliance with the Bank’s lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

The position of Relationship Manager assists in attaining established Bank goals through active participation in sales management and officer call programs, and is expected to provide leadership, training and support to less experienced officers and other staff members. Occasionally performs managerial duties in the absence of the Supervisor. This position reports to the President.

Primary Responsibilities/Duties

• Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.
• Performs assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.
• Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Senior Loan Management or Loan Committee.
• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.
• Ensures that certification or deletion of collateral is made by the appropriate personnel.
• Negotiates, underwrites and processes renewals of credit facilities.
• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.
• Authorizes framework, commitment, engagement, and decline letters.
• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
• Performs verifications as needed.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.
• Reviews NSF and overdraft reports for customers assigned within his or her portfolio; approves or declines such exceptions within established lending limits.
• Provides deposit and loan account ratings.
• Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated.
• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.
• Responsible for meeting annual loan and deposit growth goals assigned by senior management; participates in various internal committees assigned by senior management.
• Provides leadership and training to less experienced loan officers and other staff members.
• Assists Senior…