Commercial Lending Specialist

4 weeks ago

Brownsville, Texas, United States RIO BANK Full time
Job Summary

Rio Bank is seeking a highly skilled Commercial Assistant Relationship Manager to join our team in Brownsville, Texas. As a key member of our commercial lending team, you will be responsible for building and managing a diverse portfolio of commercial clients, working closely with a top commercial lender to drive growth in the Cameron County market.

Key Responsibilities:

  • Source, develop, and underwrite new financing requests for new and established customers.
  • Submit applications to credit analysts for verification and recommendation.
  • Negotiate credit terms and structure loan financing based on risk considerations.
  • Approve loans within specified limits and refer loan applications outside authorized limits to management for approval.
  • Develop and maintain interest rate structure to comply with financial institution policies and procedures and remain competitive with current market rates.
  • Identify and mitigate potential risks associated with commercial loans.
  • Promote the bank's products and services to existing clients and identify potential new clients and develop strategies to acquire them.
  • Promote the bank through active community involvement and strong customer relations.

Requirements:

  • Bachelor's degree in finance, business, or related field from an accredited college or university.
  • Three to five years of commercial lending experience or combination of experience and education.
  • Demonstrated ability to build and manage a large commercial loan portfolio.
  • Proven sales ability, effective interpersonal skills, keen problem-solving skills, and a strong desire to succeed.
  • Willingness to participate in community events on behalf of the bank regularly.
  • Proficient use of computers and Microsoft Office Suite (Word, Excel, PowerPoint).
  • Ability to write reports and business correspondence.
  • Ability to effectively present information and respond to questions from groups of customers, colleagues, senior leadership, and directors of the board.

Preferred Qualifications:

  • Commercial credit analyst experience.
  • Financial experience in a commercial banking setting.
  • Bilingual (English/Spanish) speaking ability.

What We Offer:

  • Paid time off.
  • Paid holidays.
  • 401(k) plan with company match.
  • Medical, dental, and vision insurance.
  • Life insurance.
  • Employee assistance program.
  • Flexible spending account (FSA).
  • Training and career development.
  • Charity match.
  • Community engagement.
  • Professional and collaborative work environment.

Travel: Moderate travel to visit clients, attend trainings and meetings, and participate in community and/or bank events.

Rio Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all persons regardless of race, religion, color, sex, national origin, age, disability, or any other legally protected status. Reasonable accommodations for an individual's disabilities will be made for qualified applicants who are able to successfully perform the essential functions of the job with or without reasonable accommodation.

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