Business Banking Officer

Location: Lubbock, Texas | In-office / market-based

A well-capitalized regional banking organization is adding an experienced Business Banking Relationship Manager in Lubbock.

This opportunity is designed for a commercially minded banker who wants to combine an existing portfolio with meaningful new‑business development. The successful candidate will serve privately held businesses while actively developing new lending, deposit and treasury relationships throughout the Lubbock market.

The role is particularly attractive for a banker who enjoys hunting, values disciplined credit, and wants a platform capable of supporting and executing sophisticated commercial relationships.

• Existing client portfolio combined with significant business‑development opportunity
• Uncapped production‑based incentive compensation
• Quarterly incentive opportunity plus annual performance compensation
• Strong credit, underwriting and portfolio‑management support
• Meaningful ability to execute appropriate transactions
• Broad commercial lending and treasury capabilities
• Local relationship‑banking environment supported by larger institutional resources
• Clear production expectations and performance accountability
• Opportunity to build a meaningful long‑term presence in the Lubbock business community

• Develop new commercial relationships through direct prospecting, client referrals and centers of influence
• Manage and expand an existing portfolio of business‑banking clients
• Originate commercial loans, deposits and treasury‑management relationships
• Serve as the primary banking advisor to privately held businesses
• Understand client cash flow, profitability, working‑capital needs and strategic objectives
• Structure and negotiate commercial credit facilities
• Partner with underwriting and portfolio‑management resources through the credit process
• Manage portfolio credit quality and identify emerging risks
• Review financial statements, collateral, covenant compliance and relationship performance
• Coordinate treasury and other financial solutions across the organization
• Develop meaningful relationships with attorneys, CPAs and other community referral sources
• Maintain disciplined pipeline and CRM activity
• Participate actively in the Lubbock business community

• 3+ years of business or commercial banking experience preferred
• Demonstrated record of new‑business development
• Established Lubbock or surrounding‑market relationships strongly preferred
• Strong understanding of commercial lending and credit
• Experience analyzing business financial statements and cash flow
• Ability to structure term loans, revolving facilities and commercial real estate transactions
• Experience generating deposits and treasury relationships in addition to loans
• Comfortable balancing portfolio management with significant prospecting expectations
• Formal credit training is highly valued
• Experience with in a regional, national or sophisticated commercial banking platform is attractive
• Bachelor's degree or equivalent professional experience
• Finance, accounting or related education preferred

The successful candidate will typically have experience serving privately held companies with annual revenues generally below approximately $20MM.

Experience originating commercial credit relationships up to approximately $5MM is particularly relevant.

Candidates should demonstrate balanced relationship development across:

• Commercial loans
• Operating deposits
• Treasury‑management services
• Commercial real estate
• Revolving credit facilities
• Term financing

• Primarily want to manage an existing portfolio without developing new business
• Depend on inbound…