CRE Commercial Loan Officer

About the role

First Security Bank is seeking a professional, energetic, and team-oriented individual to join our team as a CRE Commercial Loan Officer. If you are passionate about serving our local communities and want to be part of a dynamic, service-driven team, we encourage you to apply!

Qualifications

• Must be at least 18 years of age.
• A bachelor’s degree in finance, accounting, business, or a related field is required.
• Completion of formal credit training at a respected financial institution is preferred.
• 12+ years of commercial real estate lending or CRE banking experience, with a demonstrated focus on origination and relationship management is required.
• Proven track record of sourcing and closing CRE transactions, both construction and term loans is required.
• Experience in administering construction loans and the draw process is required.
• Experience managing a CRE portfolio and working directly with internal management and credit partners is required.
• Strong analytical skills and superior communication skills (both oral and written) are required.
• Strong understanding of commercial real estate finance, underwriting, and risk management is required.
• Solid knowledge of Texas CRE markets and local sponsor landscape is required.
• Ability to analyze project financial statements, rent rolls, pro formas, and appraisal reports is required.
• Ability to analyze guarantor financial statements and real estate schedules is required.
• Excellent relationship-building, negotiation, and client communication skills are required.
• Prior experience managing a team is preferred.
• Strong organizational skills with the ability to manage multiple deals and priorities simultaneously are required.
• Proficiency with Outlook, Word, Excel, PowerPoint, and utilization of the internet is required.
• Commitment to demonstrating First Security’s Core 5 values with customers and coworkers is required.

Hours of Availability

HOURS OF AVAILABILITY: Regularly Scheduled Hours/Week: 40 (+) hours per week
Monday - Friday 8:00am - 5:00pm
*Extended working hours may be required.

Essential Duties and Responsibilities

• The position is production-oriented and requires strong market knowledge, sponsor relationships, and the ability to independently originate new business while managing an existing portfolio.
• Adhere to all department and company policies and procedures and follow applicable banking regulations.
• Originate new commercial real estate lending opportunities through direct sourcing, referrals, and relationships with developers, investors, brokers, attorneys, CPAs, and other intermediaries.
• Serve as the primary point of contact for CRE clients, providing strategic banking advice and long-term relationship management.
• Develop and maintain a strong local presence and referral network within the Texas commercial real estate market.
• Structure, negotiate, and execute commercial real estate transactions, including construction, bridge, term, and mini-perm loans across multiple asset classes.
• Conduct comprehensive deal analysis, including sponsor evaluation, property cash flow, market conditions, and collateral assessment.
• Prepare and present credit recommendations to internal credit committees, including loan memoranda and supporting documentation.
• Negotiate loan pricing, covenants, and closing conditions consistent with bank policies and risk appetite.
• Manage an assigned CRE loan and client portfolio, monitoring performance, financial reporting, covenant compliance, and overall credit quality.
• Proactively identify and mitigate emerging portfolio risks, escalating issues as appropriate.
• Partner with credit, underwriting, and loan operations teams to drive efficient deal execution, accurate booking, and timely closing.
• Stay informed on Texas commercial real estate market trends, including pricing, capitalization rates, and economic indicators.
• Represent the bank at industry events, conferences, and client functions to enhance brand presence and generate new business opportunities.
• Maintain compliance with all bank policies, regulatory requirements, and internal controls.
• Protect all customer information and bank operations through strict confidentiality.
• Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems.
• Maintain a valid driver's license, reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary.
• Perform additional duties as assigned by management.

Soft Skills

• Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service.
• Establish positive and productive work relationships that provide honest feedback that generates trust.

Physical Demands

• Possess sufficient mobility to work in a standard office setting.
• Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment.
• Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching.
• The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in person and over telecommunications.
• Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic formats.
• The employee must occasionally lift and move up to 25 pounds.
• Maintain a valid driver's license with access to a vehicle that can be used for business travel purposes.

Mental Demands

• The duties of this position require strong independent problem-solving skills to manage multiple projects and their accurate and timely completion.
• Able to interact with and lead others in a calm and patient manner; maintaining confidentiality and professionalism in all situations.
• Able to analyze information, evaluate options, and make sound judgements in a timely manner.
• Strong mathematical competency related to currency, including adding, subtracting, multiplying, and dividing whole numbers, fractions, and decimals.
• This position also requires the ability to read and interpret documents, draft instructions or presentations, and articulate complex information in written or oral form.