Loan Officer

Loan Officer

The First State Bank is an independent community bank passionately focused on providing exceptional customer service and fostering relationships within the communities we serve. FSB has held these principles for over 65 years, down to the motto our customers have come to know us by -- "The Friendliest Bank Anywhere".

The Loan Officer will be responsible for building and maintaining strong relationships in the Angleton and greater Brazoria County market. The ideal candidate will be a true banker with a deep understanding of banking principles and a commitment to providing personalized service extending beyond sales.

Duties and Responsibilities

• Assess clients' financial needs and provide mutually beneficial loan solutions aligned with customer goals and FSB guidelines
• Develop and maintain relationships with new and existing clients in the Angleton & greater Brazoria County market
• Must have an understanding of cash-flow principles to understand if a deal is a good deal beyond surface level conversations
• Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan within respective authority limits
• Approves or, when outside pre-approved lending limits, refers loans to management for further analysis and approval
• Remain informed of market trends, lending products, and regulatory changes to provide compliant and informed guidance to clients
• Understand different lending and bank products to identify any cross-sell opportunities
• Collaborate with internal teams to ensure a seamless loan process with an exceptional customer experience
• Maintains a robust referral network in the local banking community with builders, real estate agents, and other related industries
• Represent the bank at community and networking events to enhance visibility and brand recognition
• Performs other duties as assigned

Requirements

• Bachelor's or Master's degree from an accredited university preferred
• 5+ years with education or 9+ years with requisite experience
• Excellent verbal and written communication skills
• Excellent interpersonal, customer service, and sales skills
• Proficiency with Microsoft Office Suite and/or loan origination software

EOE/VETS/DISABILITY