Commercial Lender

About The Role

As a Commercial Lender, you will serve as a member of the Lending division responsible for development and management of a commercial loan portfolio. The role focuses on prospecting quality loan opportunities and maintaining an effective commercial loan portfolio.

Join the Guaranty Bank and Trust team!

Founded in 1913, Guaranty Bank & Trust has been serving its community with a mission that goes beyond financial transactions, focusing on building bridges, nurturing growth, and ensuring a brighter future. The bank has received recognition as one of the “Best 100 Companies to Work for in Texas” by Texas Monthly Magazine for thirteen consecutive years and earned a 5‑star rating from Bauer Financial, Inc.

• Develop and manage a commercial loan portfolio for the bank.
• Focus on making high‑quality loans including C&I loans and owner‑occupied CRE loans; SBA loan knowledge is required.
• Act as a calling officer and prospect for new loans.
• Demonstrate superior credit skills and loan‑management abilities for new loan approval and ongoing portfolio maintenance.
• Develop measurable goals and objectives that focus on both customer service and long‑term profits.
• Work closely with management to formulate strategic planning goals to grow the bank’s loan portfolio and net income.
• Maintain industry and professional knowledge to ensure the current and future effectiveness of the bank’s services, policies, and staff proficiencies.
• Assist in building the bank’s positive image and growth through community engagement.
• Comply with all federal, state, and local regulatory rules governing financial institutions, as well as all company policies and procedures.
• Complete and pass all required regulatory compliance training as assigned.
• Participate in project meetings.
• Provide secondary oversight of lobby services.
• Manage personal banking, cash operations, and loan floor supervisors.
• Provide daily oversight in the absence of the market supervisor/president.
• Perform any additional duties and tasks assigned by management.

• Sound knowledge of the field’s concepts, practices, and procedures.
• Strong knowledge of compliance with Federal and State regulations pertaining to the banking industry.
• Strong knowledge of lending products and services.
• Self‑motivated with a strong work ethic and ability to handle high‑pressure situations.
• Exceptional management, organizational, planning, time‑management, and project management skills.
• Excellent written, communication, and customer‑relations skills.
• Ability to set strategic goals and ensure high quality of products and services.
• Proficiency in Microsoft Word, Excel, PowerPoint, and Outlook.
• Must live within 45 minutes of the bank’s location listed below.

• Bachelor’s degree in accounting, finance, economics, or a business‑related field required.
• Minimum of three years of Commercial Lending experience required.
• Formal credit training is preferred.

Guaranty Bank & Trust, 100 W Arkansas St, Mt Pleasant, TX 75455. Must live within 45 minutes of the bank’s location.

The physical demands of this position are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Typical duties include: sitting, using hands in repetitive motions, talking or hearing. Occasional duties include: standing, walking, and lifting or reaching with hands and arms.

Must be able to operate routine office equipment, routinely perform work on a computer for an average of 6–8 hours per day when necessary, work extended hours or travel off‑site when required, maintain reliable attendance, and climb/descend stairs in an emergency.

Specific visual abilities required include close visual acuity for preparing and analyzing data, transcribing, viewing a computer terminal, extensive reading, and visual inspection requiring close-up work.

Starting salary will depend on relevant experience and may vary by geographic location. The bank offers an…