CRE Commercial Loan Officer

CRE Commercial Loan Officer

Full-Time/Part-Time - Full-Time

Location - Dallas

Summary: First Security Bank is seeking a professional, energetic, and team-oriented individual to join our team as a CRE Commercial Loan Officer. If you are passionate about serving our local communities and want to be part of a dynamic, service-driven team, we encourage you to apply!

In this role, you will be responsible for originating, structuring, and managing a portfolio of commercial real estate loans for developer and investor clients. This role serves as the primary relationship manager for assigned clients and prospects, delivering customized financing solutions while ensuring credit quality, risk management, and regulatory compliance. Candidates will grow and maintain strong relationships with developers, investors, and referral partners across the Texas market.

This position requires on-site work and the ability to travel for business purposes.

Qualifications

Education: Bachelor's degree in finance, accounting, business, or a related field is required.

Experience: 12+ years of commercial real estate lending or CRE banking experience, with a demonstrated focus on origination and relationship management required.

Skills: Strong analytical skills and superior communication skills (both oral and written) are required. Strong understanding of commercial real estate finance, underwriting, and risk management. Solid knowledge of Texas CRE markets and local sponsor landscape required.

Essential Duties and Responsibilities

Adhere to all department and company policies and procedures and follow applicable banking regulations. Originate new commercial real estate lending opportunities through direct sourcing, referrals, and relationships with developers, investors, brokers, attorneys, CPAs, and other intermediaries. Serve as the primary point of contact for CRE clients, providing strategic banking advice and long-term relationship management. Develop and maintain a strong local presence and referral network within the Texas commercial real estate market. Structure, negotiate, and execute commercial real estate transactions, including construction, bridge, term, and mini-perm loans across multiple asset classes. Conduct comprehensive deal analysis, including sponsor evaluation, property cash flow, market conditions, and collateral assessment. Prepare and present credit recommendations to internal credit committees, including loan memoranda and supporting documentation. Negotiate loan pricing, covenants, and closing conditions consistent with bank policies and risk appetite. Manage an assigned CRE loan and client portfolio, monitoring performance, financial reporting, covenant compliance, and overall credit quality. Proactively identify and mitigate emerging portfolio risks, escalating issues as appropriate. Partner with credit, underwriting, and loan operations teams to drive efficient deal execution, accurate booking, and timely closing. Stay informed on Texas commercial real estate market trends, including pricing, capitalization rates, and economic indicators. Represent the bank at industry events, conferences, and client functions to enhance brand presence and generate new business opportunities. Maintain compliance with all bank policies, regulatory requirements, and internal controls. Protect all customer information and bank operations through strict confidentiality. Operate computer software and equipment, telephone, scanner, and copier, and develop proficiency with internal banking systems. Maintain a valid driver's license, reliable transportation, punctual attendance, and the ability to work on-site with occasional extended hours when necessary. Perform additional duties as assigned by management.

Supervisory Responsibilities

None.

Soft Skills

Foster a culture that values high ethical conduct, critical thinking, problem-solving, engagement, teamwork, and provides exceptional service. Establish positive and productive work relationships that provide honest feedback that generates trust.

Physical and Mental Demands

Possess sufficient mobility to work in a standard office setting. Perform repetitive hand, arm, wrist, and finger movements while handling currency, documents, and/or office equipment. Substantial time may be spent on the telephone, operating computers, reaching, sitting, and/or standing while occasionally stooping, kneeling, or crouching. The employee must have the ability to speak and hear well enough to carry on customer interactions, conversations, and presentations both in person and over telecommunications. Have near/far visual acuity to identify customers, currency, and reading materials in printed or electronic formats. The employee must occasionally lift and move up to 25 pounds. Maintain a valid driver's license with access to a vehicle that can be used for business travel purposes. The duties of this position require strong independent problem-solving skills to manage multiple projects and their accurate and timely completion. Able to interact with and lead others in a calm and patient manner; maintaining confidentiality and professionalism in all situations. Able to analyze information, evaluate options, and make sound judgements in a timely manner. Strong mathematical competency related to currency, including adding, subtracting, multiplying, and dividing whole numbers, fractions, and decimals. This position also requires the ability to read and interpret documents, draft instructions or presentations, and articulate complex information in written or oral form.

EOE Statement - First Security Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including gender identity, sexual orientation, and pregnancy), age, genetics, national origin, status as a veteran or protected veteran, or status as a qualified individual with a disability or any other classification protected by federal or state law. Should you need assistance in completing the application, please let us know. First Security Bank will seek to provide individuals with disabilities (including applicants and employees) with reasonable accommodations necessary for the completion of the application process.

About the Organization - Based in Searcy, Arkansas, privately-held First Security Bancorp has the most complete and diverse product offering of any Arkansas-based financial services holding company. First Security can meet any financing need - right here in Arkansas. With more than 1,000 employees covering locations throughout the state, we offer solutions for the financial needs of individuals, businesses and the public sector, including a network of local community banks, respected investment banking and wealth management services, public finance, real estate development and revitalization, leasing and mortgage services.

This position is currently accepting applications.