Commercial Lender (Full Time) - Austin, Congress

Position Purpose

Primary role is to grow and retain profitable relationships. This is accomplished by focusing on the delivery of value‑added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship. You will be a fully experienced, qualified relationship manager capable of independent activity, with proven client relationship skills, extensive product knowledge, technical expertise, and strong transaction execution skills. Credit process management is a critical component of the job. Performance will be measured by effectiveness in marketing areas such as calling activity, proposal generation, revenue generation, risk mitigation, relationship building, and franchise development.

Responsibilities

• Solicit commercial clients; aggressively seek and obtain quality new business through client and prospect calls, referrals, and cross‑selling efforts.
• Obtain and maintain COIs and attend networking events in the assigned geographic area.
• Structure loans and conduct credit analysis.
• Generate a wide variety of commercial and real‑estate loans, typically closing loans in the $1 million to $10 million range.
• Contribute to deposit growth by cross‑selling and promoting additional banking products.
• Other duties as assigned.

Supervisory Responsibilities

This role has no supervisory responsibilities.

Qualifications

• Education/Certification: Bachelor’s degree in banking, finance or a related field is preferred.
• Experience: Minimum of seven years of direct lending or credit support experience with a focus on business relationships; formally credit‑trained and/or underwriting knowledge preferred.
• Knowledge: Familiarity with sales, loan processing, and closing processes; extensive knowledge of commercial banking products and services, including C&I and owner‑occupied and investment commercial real‑estate loans.
• Skills/Abilities: Ability to expand loans and client relationships, cross‑sell bank products, strong interpersonal and communication skills, proven business‑development track record.

Physical Requirements

• Talking: Ability to convey detailed instructions or ideas accurately, loudly, or quickly.
• Hearing: Able to hear average conversations and receive ordinary information.
• Repetitive Motion: Frequent use of wrists, hands, and/or fingers.
• Visual: Average visual acuity for preparing or inspecting documents.
• Physical Strength: Sedentary work; occasional exertion of up to 10 lb.

Working Conditions

Typical office environment with no hazardous or significantly unpleasant conditions.

Mental Requirements

• Reasoning Ability: Apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions; interpret technical instructions and manage multiple variables.
• Mathematics Ability: Compute discount, interest, profit, loss, commission markup, selling price, ratios, proportions, percentages, and perform simple algebra.
• Language Ability: Read technical materials; prepare business letters, proposals, summaries, and reports with correct grammar and style; conduct training, panel discussions, and professional presentations.

Schedule

Monday‑Friday: 8:00 am – 5:00 pm (or as needed), 40 hours per week.