Commercial Real Estate Jobs in Texas

INTRODUCTION

The purpose of this job is to use commercial lending skills to provide practical application in the areas of portfolio management, preparation of loan packages, property inspections, relationship development and other duties as needed in such a way as to contribute to the overall achievement of departmental goals.

Responsibilities

• Determination of data required for loan packages
• Portfolio management decisions within credit authority
• Loan pricing decisions within authority
• Determine which customers are potential candidates for expanded services and identify qualified prospects
• Practice commercial loan portfolio management skills through practical application of assigned portfolio including project analysis, loan underwriting, proper risk analysis and identification of risk rate, packaging and presentation, renewal processing, loan doc prep and closing, collateral analysis, past due notice management, etc. Work with Audit, Loan Review and the OCC as needed
• Practice business development skills through the practical application of performing business calls to customers and prospective customers in order to gain further experience in outside loan production and negotiations and support achievement of new business goals
• Provide high level of customer service to existing clients in order to build relationships, to expand development of business and to identify and create cross sell opportunities for other product lines
• Maintains professional community relations to increase the bank’s visibility and new business opportunities, and to further personal development.

Level II additional responsibilities:

• Portfolio management and pricing decisions within credit authority
• Recommendations for credit approval to Senior Loan Committee
• Cross-selling referrals
• Business development strategies, including prospect list development
• Recommend promotional sponsorships to senior management
• Maximizes the department’s profitability through the maintenance of a high-quality loan portfolio. Has credit authority on large and complex accounts.
• Actively participates in business development activities for the purpose of attracting additional profitable business for the bank.
• Provides guidance to less experienced relationship managers.
• Maintains professional community relations, including leadership roles, to increase the bank’s visibility and new business opportunities, and to further personal development.
• Cross-sell additional products and services to existing customer base and asks for referrals

QUALIFICATIONS

• Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
• Minimum of three years proven and progressive commercial lending/credit experience or equivalent
• Experience with real estate or commercial lending risk analysis
• Developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Practical working knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• Familiarity with products and services offered by financial services institutions
• Effective oral and written communication skills
• Excellent interpersonal skills
• Developed decision making and persuasion skills
• Proven ability to build relationships
• Time management/organization skills
• Computer skills to include word processing and spreadsheet application
• Customer contact and sales and service skills

Level II additional qualifications:

• Bachelor’s degree in business, finance, accounting, related field, or equivalent experience
• Minimum 5 years of progressively increasing commercial lending experience
• Knowledge of pricing models as it relates to profitability of lending unit
• Fully developed understanding of lending and credit approval process as well as pertinent bank policies and external regulations
• Knowledge of sales principles
• Detailed knowledge of credit analysis practice and procedure
• In-depth knowledge of products and services offered by financial services institutions
• Strong analysis, judgment, and communication (oral and written) skills
• Should possess excellent negotiation and problem-solving skills
• Ability to present loan commitments to executive management of customers should be attained prior to this level
• Must possess a high level of analytical skills
• Must possess effective interpersonal skills
• Ability to be assertive and decisive in arriving at sound business decisions which serve the best interest of the association and the borrower
• Motivation and initiative are essential

PHYSICAL REQUIREMENTS/WORKING CONDITIONS

Must be able to sit for long periods of time and use computer keyboard and/or mouse, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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