Commercial Loan Officer I

2 weeks ago


Lewisville, Texas, United States Point Bank Full time
About PointBank

PointBank is a community bank serving Denton County, Texas, with a mission to provide exceptional customer service and a fun, professional environment for employees.

Job Summary

We are seeking a Commercial Loan Officer I to join our team. This role will be responsible for growing the bank's commercial loan portfolio, servicing existing customers, and promoting PointBank's services to new and existing customers.

Key Responsibilities
  • Grow the bank's commercial loan portfolio to meet bank goals and objectives.
  • Service existing customers within the personal portfolio.
  • Target, solicit, and secure commercial loan deals outside of PointBank premises.
  • Obtain required documentation from customers and perform credit and underwriting analysis.
  • Maximize bank profitability through appropriate pricing of loan originations and selling of bank products and services.
  • Approve loans within loan policy guidelines and up to amounts allowed in lending authority limits.
  • Ensure approved loans are processed, closed, and funded in an expeditious manner.
  • Service existing portfolio, monitor loans, and identify potential problems.
  • Monitor loan maturity reports and prepare renewals as needed.
  • Monitor past-due loan reports and call customers for payment.
  • Monitor loan ticklers/exceptions reports and make contact with customers for the collection of new/current financial information.
  • Verify loan agreements are complete and accurate according to policy.
  • Daily review, approval, and disposition of commercial overdrafts within authority limits.
  • Assist Branch Personnel with lending needs of consumer customers.
  • Promote a positive image for PointBank and its employees in the community.
Requirements
  • Bachelor's degree in area of specialty and/or 3+ years of experience in the field or in a related area.
  • Attend all meetings and complete all training required to ensure regulatory compliance.
  • Comply with all applicable Federal and State regulations and guidance associated with the performance of your job function.
  • Comply with all applicable BSA/AML/OFAC policies and procedures associated with the performance of your job function.
  • Responsible for making suggestions to improve branch/departmental operations and overall bank.
Working Conditions

Worker is subject to inside environmental conditions; protection from weather conditions but not necessarily from temperature changes. Worker is subject to outside environmental conditions when traveling to visit customers and potential customers outside of the bank, or when traveling to required bank meetings and training sessions.



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