• Commercial Lending Officer

    Job ID
    1515 FM 1960 Bypass East
    # of Openings
    City, State
  • Overview




    Established, respected, and growing in Texas and Colorado.



    Building thriving relationships and leading with a courageous heart.



    Generous 401 (k) plan, paid time off, health benefits, employee programs, and a satisfying work-life balance.



    Financial stability providing competitive salaries, internal growth opportunities, and a business strategy of continuous growth.



    Volunteering and making a lasting impact, building strong, healthy communities.



    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 the 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.


    • 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


    • College degree in Business, Finance, Accounting, or related field
    • 2-3 years experience in a credit analysis/underwriting role relative to commercial lending, required
    • 5+ years of proven commercial lending experience 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
    • 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.





    To make an impact on the communities we serve through high-performance, purpose-driven banking.


     Independent Bank is a host to diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team.


    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.


    Sorry the Share function is not working properly at this moment. Please refresh the page and try again later.
    Share on your newsfeed