Commercial Lender

Job Title: Commercial Lender

Location: McKinney, Texas

Reports To: Market President

Job Summary:
This role is responsible for generating new business, underwriting, structuring, and closing commercial loans, along with managing and servicing an existing client portfolio. The position also represents the institution within the local McKinney community through active involvement in community affairs and by promoting the full range of the organization's products and services.

Primary Duties/Responsibilities:
This list reflects the current core responsibilities of the role. It is not exhaustive and may be adjusted as needed for operational efficiency.

• Develop a thorough understanding of the business and personal financial needs of all assigned commercial clients.
• Conduct 5-10 in-person client or prospect visits per week outside the office.
• Build detailed profiles of commercial business owners and other key principals to deepen client knowledge.
• Identify customer needs and recommend suitable products, services, or solutions.
• Collaborate closely with the Treasury Services team to align client and prospect needs with appropriate depository, cash management, and investment offerings.
• Address client service needs directly or route them to the appropriate internal channel.
• Proactively pursue new commercial relationships by cultivating referral sources.
• Gather and analyze financial and related data to assess creditworthiness and evaluate specific credit requests.
• Prepare and present loan proposals to the loan committee as required.
• Establish and, when needed, negotiate credit terms.
• Track loan repayment performance and take appropriate action on past-due accounts.
• Engage in community activities to raise the organization's profile and support new business development.
• Oversee and direct Loan Assistants and Portfolio Managers.

Education Requirements:

• Bachelor's degree in a related field (Finance, Accounting, Economics, or similar) required.

Qualifications:

• Strong communication skills, including active listening and the ability to convey information clearly and persuasively.
• Solid business development and interpersonal skills, with the ability to represent the organization effectively in any setting, during or outside of business hours; able to spot opportunities and refer clients appropriately when needed.
• Strong time-management and organizational abilities, with the capacity to work independently and with minimal supervision.
• Sound decision-making skills, able to act efficiently after appropriately weighing relevant information.
• Ability to interpret financial data, assess client character and capability, and evaluate the value of offered collateral.

Experience Requirements:

• Minimum of three years of relationship management experience, ideally with commercial or small business clients.
• Minimum of five years of credit-related experience (e.g., credit analyst, loan portfolio management, loan review, or similar), with demonstrated ability to analyze financial statements, tax returns, and other financial documentation to make sound credit decisions.
• Minimum of three years of banking experience with general knowledge of banking operations and specific familiarity with treasury management, depository services, and other products used by commercial clients.

Physical Requirements:

• Standard office environment.
• May involve extended periods of typing and repetitive tasks.
• Some travel required.