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    Commercial Lending Officer - San Antonio, United States - MRI Spokane

    MRI Spokane background
    Description

    Commercial Lending Officer



    This role involves developing loan and deposit business mainly within small to middle market commercial companies in the San Antonio area. The position includes managing the loan process, credit underwriting, documentation, portfolio management, and engaging in community activities to expand business opportunities. Additionally, supporting existing loan and deposit portfolios as required.



    Duties & Responsibilities:



    • Call on prospective and existing clients to generate loans, deposits, and referrals.
    • Participate in community-oriented and professional organizations.
    • Cross-sell bank investment, trust, deposit, and loan products.
    • Analyze financial statements, underwrite credit, prepare credit memos, and assist in loan presentations.
    • Ensure proper loan documentation and closure.
    • Guarantee compliance with regulatory guidelines.
    • Manage established loan and deposit portfolios.
    • Present loan information to top management and the board of directors.


    Minimum Qualifications:



    • 5+ years of commercial lending experience covering business development, credit underwriting, documentation, and portfolio management.
    • Ability in relationship management, business development/sales skills, bank product knowledge, and Bank Core Systems.
      Preferred Experience: N/A
      Supervisory Experience: 1-year supervisory experience.
      Education/Skills/Experience:
    • High School Diploma/GED.
    • Bachelor's degree preferred.
    • Credit analysis and underwriting proficiency.
    • Strong presentation, verbal, and written communication skills.
    • Networking within commercial markets.
      Equipment/Machines/Software:
    • Proficiency in Microsoft Programs, Bank Core Systems, and office equipment.
      Competency Requirements:
    • Effective in managing customer relationships.
    • Capable of working independently.
    • Skilled in connecting and networking with business owners and leaders.
    • Aptitude in focusing and interpreting data for others.
      Physical Requirements:
    • Able to lift, push, and pull files up to 10 lbs.
    • Capable of bending, stooping, and mobility within an office environment.
    • Comfortable sitting in front of a computer for extended periods.
    • Good speech and hearing capabilities with clients.
    • Strong visual abilities to read and type on the computer.
    • Reliable transportation for travel within San Antonio and neighboring areas.
    • Occasional travel to other banking centers for meetings.


    This job description provides an overview of the role without creating any implied contract of employment. Duties may vary based on business needs and managerial direction.



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