Senior Commercial Lender - Clear Lake

The Senior Commercial Lender is responsible for developing, managing and servicing a portfolio of clients for their assigned region while maintaining a high level of quality customer service in compliance with the Bank’s lending policies and procedures.

Responsibilities

• Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products, services and credit.
• Solicits, negotiates, underwrites and coordinates the closing of simple or complex consumer, residential, equipment, SBA, commercial building and business loans.
• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry.
• Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies, procedures, and economic environment keeping within assigned approval limits and using these instances as learning tools for employees.
• Maintain all the following asset quality ratios: Past dues over 30 days plus non-performing loans – less than 2%; Non-Performing assets – less than 0.60%; Classified loans less than 3.25%, Criticized loans less than 5.00%; and Net Charge-offs less than 0.25% (annualized).
• Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Bank Office President, Chief Credit Officer or Loan Committee.
• Coordinates processing of approved loans; ensures matured loans are renewed in a timely manner for monthly and quarterly end reporting periods; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.
• Responsible for trading and collection of all loan credit and collateral exceptions and deposit account exceptions in a timely manner.
• Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning.
• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition.
• Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financial community.
• Reviews NSF and overdraft reports for customers assigned within portfolio; approves or declines such exceptions within established lending limits.
• Participates in bank wide initiatives as needed.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Ensures compliance with relevant laws, regulations and Bank policies by actively completing, or attending required trainings and other learning development activities by classroom training, online compliance courses, webinars and readings with discussion groups.
• This position will call on existing and prospective clients while generating new client leads to increase the volume of commercial and consumer business (loans, deposits and other services) in the community.
• Responsible for meeting established region goals for loans and deposits through active participation in sales management and officer call programs.

About You:

• Bachelor’s degree in Business, Finance or a related field preferred.
• Five or more years’ banking experience in the areas of business development and managing diversified lending relationships preferred.
• Formal Credit Training preferred.
• Strong knowledge of commercial lending and credit experience.
• Knowledge of commercial credit analysis, analyzing financial statements, financial spreading and statements, credit scoring, related lending processes and procedures.
• Excellent oral and written communication skills needed to create relationships with clients when making loan presentations.
• Analytical skills needed for loan and lease approvals, credit analysis and underwriting.
• Good organizational and problem resolution skills.
• Must be self-motivated with strong initiative and high level of accountability.
• Proven successful track record in business development.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with minimal or no supervision while performing duties.
• Current Texas driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Stellar Benefits:

We believe that empowering people goes far beyond the workplace. That’s why we’ve designed our benefits to help foster your health and prosperity, so you can best support yourself, your loved ones and your communities.

• Health Care Coverage, no waiting period.
• Dental/Vision.
• STD/LTD.
• Annual Performance Bonus Eligible.
• 401K with company match.
• Paid Vacation.
• Volunteer days.
• Tuition Assistance.
• And More.

What it Means to Be Stellar:

Stellar Bank came to be in 2023, when Allegiance Bank and Community Bank of Texas joined forces. What emerged was a financial institution like no other. Stellar bankers set the standard for responsive, relationship-based community banking. We have the resources, dedication and personal focus to out-bank the big banks and out-service the small banks. Our customers see us as a vital part of the team. We are their financial experts who go above and beyond to help them form a plan and get it done.

Join Stellar Bank and, yes, you’ll be providing outstanding banking. But you’ll be achieving something much greater. At Stellar, we empower people to thrive. This is our purpose. This would be your purpose. Here you’d be part of a supportive culture where relationships bond, individuals grow, communities prosper and careers flourish. You can make a difference at Stellar – for yourself and for everyone around you.

Stellar Bank does not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status or any other characteristic protected by applicable federal, state, or local laws, regulations and ordinances.