SVP Loan Officer

Full-time; flexible hours may be required to meet customer and business needs

Travel within SSB&T markets and to customer or community locations as business needs require.

Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.

Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.

The Senior Vice President (SVP), Loan Officer provides strategic leadership in the development, management, and growth of SSB&T's lending portfolio. Reporting to the Regional President or Branch President if applicable, this role is responsible for originating, structuring, and managing complex commercial and consumer lending relationships while supporting the Bank's credit quality, profitability, and growth objectives.

The SVP, Loan Officer contributes to SSB&T's success by developing strong client relationships, generating quality loan growth, managing credit risk, and delivering tailored lending solutions that support customers, communities, and the Bank's long-term strategic goals. This role collaborates closely with Credit Underwriting, Risk Management, Treasury, and Banking teams to maintain a strong and profitable loan portfolio while upholding sound underwriting and regulatory standards.

• Demonstrate Care, Do What Is Right, and Go Above and Beyond in customer relationships, decision-making, teamwork, and the delivery of Treasury Solutions products and services.

• Develop, originate, and manage a portfolio of commercial, consumer, agricultural, and/or real estate lending relationships in accordance with Bank policies and strategic objectives.
• Build and maintain strong relationships with existing and prospective customers through proactive business development efforts.
• Serve as a trusted financial advisor by understanding customer needs and providing appropriate lending solutions.
• Identify opportunities to expand customer relationships through additional Bank products and services.
• Maintain regular contact with borrowers to strengthen relationships and ensure ongoing customer satisfaction.
• Represent the Bank at community events, networking functions, industry organizations, and business development activities.

• Generate new loan opportunities through referrals, prospecting, community involvement, and relationship-building activities.
• Develop and execute strategies to achieve loan production, portfolio growth, and profitability objectives.
• Establish and maintain relationships with business owners, real estate professionals, developers, attorneys, accountants, and other centers of influence.
• Identify opportunities to increase market share and expand the Bank’s lending presence.
• Participate in strategic initiatives that support growth, customer acquisition, and market development.
• Promote the Bank’s products, services, and community banking commitment throughout the markets served.

• Analyze financial statements, tax returns, cash flow projections, collateral, and other financial information to assess creditworthiness.
• Structure loan requests that appropriately balance customer needs, profitability objectives, and risk management standards.
• Prepare and present loan requests, credit memoranda, and approval recommendations for management and loan committee review.
• Evaluate borrower repayment capacity, collateral…