Loan Officer

Job Description

Job Description

Loan Officer

Company Vision

Rooted in the heart of Texas, SSB&T is your dedicated community bank in the Hill Country. We believe in being a trustworthy resource, guided by authentic, actionable values. Our talented team members inherently understand what it means to Care, Do What is Right, and Go Above and Beyond for our customers, community and professional culture.

About the Role

The VP Loan Officers are responsible for developing, managing, and maintaining loan portfolio in alignment with established leading guidelines and bank policies. This role includes originating, processing and servicing loans for existing and prospective customers, ensuring compliance throughout the loan lifecycle. The VP Loan Officer also supports portfolio oversight by assisting with ongoing monitoring, analysis, and reporting of loan performance and credit conditions.

Essential Responsibilities

• Champion Enterprise Values: Lead with and model SSB&T’s core values, embedding them into data strategy, governance, and team culture.
• Lead loan production and portfolio management efforts within assigned market or segment
• Originate and manage moderately complex consumer and/or commercial loan relationships
• Provide strategic input on market growth and lending initiatives
• Present complex credits to senior loan committee and executive leadership
• Build and maintain relationships with customers through proactive service and communication
• Gather financial documentation
• Ensure loan files meet internal policies and regulatory requirements
• Actively grow loan portfolio through business development efforts
• Participate in community and business development activities
• Maintain high level of customer service through the loan lifecycle

Employment Commitments & Physical Requirements

• Exempt
• Full-time
• Monday- Friday 8am-5pm
• Community/ volunteer involvement
• Focus-intensive position requiring extended periods of sitting and digital navigation.
• Occasional walking, standing, and use of office equipment.
• Must possess close visual acuity and clear speech for verbal communication.

Location & Travel

• Physical reporting to Marble Falls Branch
• Travel may be necessary depending on business needs

Candidate Requirements

• Bachelor’s degree in Business, Finance, or related field
• 7- 10 years of commercial lending or banking loan experience
• Demonstrate leadership and team development experience
• Strong business development and relationship management skills
• Strong customer service, communication and interpersonal skills
• Ability to manage multiple priorities and interpersonal skills
• Ability to manage multiple priorities and meet deadlines
• Ability to adapt to growing business needs and structural changes.
• Familiarity with regulatory and credit compliance standards

Candidate Preferred Qualifications

• MBA or advance financial degree
• Experience managing market-level or regional loan portfolios
• Commercial or business lending experience

SSB&T Employee Benefits

SSB&T offers all eligible full-time employees a robust benefits package. Employees receive benefits to support total health, financial and work life balance. Benefits packages include life insurance, medical, dental, vision, disability, 401K, vacation and sick time. Full time employees will receive 11 paid federal holidays.

Compensation

We are committed to competitive compensation at SSB&T. By analyzing market data, we establish fair salary ranges. Your pay is determined by your experience, the role's market value, and your geographical location.

The job description and supporting information reflects the details deemed to be necessary to describe the principal functions required of the job and should not be construed as a detailed description of all work to be performed in the job role.

Employee shall perform such work as may be required of Employee by Company in accordance with the job description, as well as the instructions, directions and control of Company and at such reasonable time and places as Company may determine. At all times during the Employment Period, Employee shall strictly adhere to all the rules and regulations that have been or that may hereafter be established by Company for the conduct of its employees and further, Employee shall strictly adhere to all the provisions of the Company’s handbook(s).