General Description

The C & I Lending Officer will be responsible for developing commercial banking relationships in and around Houston Texas providing commercial loans between $1 million and $5 million, and capturing commercial deposits.


Summary of essential job functions

  • Prospect and develop C & I loans from $1MM to $5MM for (short term) revolving lines of credit, cash flow, working capital, business equipment and expansion (Non-real estate)
  • Prepare full package loan applications and present to Credit Underwriting.
  • Consistently generate and maintain a loan pipeline of transactions with manufacturing, service and industrial companies in NE Harris country and Kingwood area
  • Manage and grow the existing commercial portfolio
  • Compile complete, high quality, loan application packages to underwriting.
  • Present commitment letters to borrowers for execution.
  • Work closely with the Commercial banking team
  • Develop and capture $3MM to $5MM in deposits annually
  • Build strong“Bank Brand Awareness” in the market place.
  • Develop and fund $12 million or more in new C & I loans per year
  • Build and capture commercial deposit relationships
  • Represent the bank with honesty and integrity while delivering high levels of customer service in all interactions.
  • Build strong relationships that promote a positive reputation within the local business community
  • Actively participate in community events as a highly visible representative of the bank

Qualifications

  • Bachelor’s Degree or higher preferred.
  • Minimum of 4years C & I lending experience preferred.
  • Strong local market (NE Harris County/Kingwood) presence and Sphere of Influence.
  • A solid foundation of commercial credit underwriting and loan structuring ability

Required Skills and Attributes: Effective communication skills and the ability to develop productive relationships with a wide range of business professionals.

  • Ability to gain trust and effectively work with referral sources and their customers.
  • Established network of business referral sources in the local market
  • Proven track record of funding C & I loans and capturing deposits
  • Exceptional oral and written communication skills, including the ability to conduct presentations, lead meetings and effectively sell business banking products and services in Houston.
  • An energetic self-starter and strong collaborator with a proven ability to work in an entrepreneurial environment.
  • Sound knowledge of Excel, Word, and PowerPoint.
  • Extensive commercial banking referral network
  • Ability to read, analyze, and interpret, financial reports, corporate and personal tax returns and other financial documents.

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To apply for this job email your details to hank@watkinssearch.com