• Location President

    Job ID
    2018-2870
    Location
    West Lake Hills
    Type
    Full-Time
    Address
    101 Westlake Drive
    # of Openings
    1
    City, State
    US-TX-Austin
  • Overview

    WHY INDEPENDENT BANK IS A GREAT PLACE TO WORK:

     

    Footprint

    Established, respected, and growing in Texas and Colorado.

     

    People

    Building thriving relationships and leading with a courageous heart.

     

    Benefits

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

     

    Growth

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

     

    Community

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

     

    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 loans while meeting established loan quality, deposit and income goals.

    Responsibilities

     

    • 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
    • Manage and lead a team of Commercial Lenders. 

    Qualifications

    • Related college degree, successful completion of banking courses or equivalent work experience is required
    • 2-3 years of experience in a credit analysis/underwriting role relative to commercial lending, required
    • 10+ years of related banking experience in general operations, lending and regulatory compliance are required
    • Solid knowledge of financial lending regulations
    • Superior credit and collateral skills with a wide range of businesses, in terms of size and industry.  Must have documented experience in origination, work out, and collection of loans.  Should have strong accounting, finance, and legal experience commensurate with the position.
    • Results oriented, sales aptitude with demonstrated ability to achieve organizational and business goals. Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
    • Computer proficiency with working knowledge of Microsoft Office Suite applications, required
    • Ability to work flexible hours and branch hours of operation
    • Careful attention to detail and time management
    • Manage critical customer relationships and situations; responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
    • Excellent interpersonal and communication skills. Must be able to effectively work with superiors and subordinates to ensure the goals of the organization are accomplished.   Focuses on solving conflict; Maintains confidentiality.
    • 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.

     

    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.

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