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Sr Commercial Lending Officer- Granbury

Overview
Independent Bank provides a wide range of commercial and consumer banking solutions powered by people who value lasting relationships and commitment to community. We are founded on the belief that we have a deep responsibility to solve problems and build healthy communities. Our unique brand of banking is delivered by dedicated employees, who share an honest desire to make a lasting and positive impact. Come join us!
The purpose of this position is to evaluate, authorize, or recommend approval of commercial, real estate, or other credit loans. Originate services and manages all types of commercial loan while meeting established loan quality, deposit and income goals.
Responsibilities
Originate, review and underwrite commercial loan applications.
Analyze and review credit information to make a general assessment of applicant's credit worthiness and determine if the loan will conform to the bank's lending policy
Exercises due diligence when underwriting loans including assessing risks, real estate analysis, cash flow, profitability
Prepare written summary of loan terms and conditions and a written narrative explaining business background, outlining risk factor and justify assigned risk rating
Improve condition of loan portfolio by working to reduce delinquencies through improved collection and underwriting techniques
Develop and maintain business relationships and referral sources throughout the community
Seeks to expand bank product usage to current customers by cross selling all types of deposit accounts, loan accounts, and services during customer contacts and interviews
Stay abreast of new types of loans and other financial services and products to better meet customer need
Participates in community-oriented and professional organizations to determine the various depository and credit needs of the Bank's market area to support Community Reinvestment Act (CRA) objectives
Update and maintain accurate new business sand renewal files
Respond professionally and accurately to customer inquiries and concerns in a timely manner
Perform other job related duties as assigned
Qualifications
High school diploma or equivalent education certificate (GED)
College degree in Business, Finance, Accounting, or related field, preferred
2-3 years experience in a credit analysis/underwriting role relative to commercial lending, required
Solid knowledge of financial lending regulations
Results oriented, sales aptitude with demonstrated ability to achieve organizational and business goals
Computer proficiency with working knowledge of Microsoft Office Suite applications, required
Careful attention to detail and time management
Excellent interpersonal and communication skills
Must be a strong team player
Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements.
A STANDARD OF EXCELLENCE
Our unique brand of banking extends from the Gulf Coast of Texas to the Rocky Mountains. We are an $8 billion dollar community-centric institution providing a wide range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professional organizations, community groups and entrepreneurs. We also offer a full line of personal financial products and services to make banking easy for busy families and individuals.
OUR CORE VALUES
Principled financial decisions Building strong, healthy communities Leading with a courageous heart Resilient Solutions Thriving relationships
The Bank provides capital and guidance to foster growth, bring new ideas to life, and energize local businesses. We accomplish these goals by funding projects such as medical facilities, warehouse space, and hospitality and education venues. By developing strong relationships and a deep understanding of your industry, our team offers a proactive approach to business banking.
We continue to be named Best Bank within many of the communities we serve. Recently, Independent Bank was named a Community Bankers Cup winner for the fifth consecutive year; a Top 75 Producing Lender Nationwide; a Top 50 Performer by the Dallas Business Journal; and one of the Healthiest Employers in both North Texas and Central Texas.
The Bank builds community on two fronts: by helping create economic development and by partnering within the community. It all begins by empowering our employees. We encourage our people to follow their passion and volunteer. And we back that up through formal giving programs.
OUR MISSION
To make an impact on the communities we serve through high-performance, purpose-driven banking.
To be considered for this position, you must at least meet the basic qualifications.
No phone calls or direct e-mails please.
Pre-employment background screening will be conducted.
Independent Bank is an EEO/AA - M/F/Disability/Protected Veteran Status.
Note: The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 214-544-4777.



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