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 Loan Officer is responsible for developing and managing customer lending relationships while originating, structuring, and maintaining quality loan portfolios. Reporting to the Regional Presidents or Branch President if applicable, this role works closely with consumers, business owners, borrowers, and internal partners to deliver lending solutions that meet customer needs and support the Bank's growth objectives.

The Loan Officer contributes to SSB&T's success by generating quality loan growth, building strong customer relationships, supporting community development, and maintaining sound credit quality while adhering to Bank policies, regulatory requirements, and prudent lending practices.

• 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, manage, and expand commercial, consumer, agricultural, mortgage, and real estate lending relationships in accordance with the Bank’s strategic objectives and lending philosophy.
• Identify opportunities to meet customer borrowing needs through appropriate loan products and comprehensive banking solutions.
• Build and maintain strong relationships with customers, prospects, business partners, and community stakeholders.
• Conduct business development activities designed to generate new loan opportunities and strengthen existing customer relationships.
• Provide exceptional customer service and guidance throughout the lending process to support long-term relationship growth and customer satisfaction.

• Meet with prospective and existing customers to discuss financing needs and recommend appropriate lending solutions.
• Gather, review, and analyze financial statements, tax returns, credit reports, collateral information, and supporting documentation required for loan requests.
• Prepare loan applications, credit presentations, relationship summaries, and supporting documentation for underwriting and approval consideration.
• Structure loan requests consistent with Bank policy, sound lending practices, and customer needs.
• Coordinate with Credit Administration, Underwriting, and Loan Operations personnel throughout the approval and closing process.

• Provide strategic oversight for Treasury Solutions products and services, including ACH, wire transfers, remote deposit capture, positive pay, merchant services, commercial cards, sweeps, digital banking, and related capabilities.
• Approve or recommend product, pricing, service, vendor, and technology strategies within established authority.
• Partner with the Director, Treasury Solutions and appropriate SSB&T teams to ensure products are implemented, administered, and supported effectively.
• Monitor service performance, adoption, customer utilization, product profitability, and opportunities for improvement or expansion.
• Sponsor product enhancements, new capabilities, and cross-functional implementation initiatives.