Loan Processor (Banking)

Overview
Identify, recruit, and retain profitable customers. Evaluate the financial condition of individuals and businesses applying for credit with CBTx. Represent CBTx by actively participating in the marketing and business development programs of the bank.

Responsibilities

Develop new business and cross-sell bank products and services through contacts with prospects and existing customers.

Interview loan applicants and collect and analyze financial and related data to determine the general creditworthiness of a prospect and the merits of a specific loan request.

Approve loans up to a limit established by policy and serve as the contact officer on loans assigned. Prepare credit memorandums with recommendations for committee action on those credits which require committee approval.

Spread and analyze financial statements, study and evaluate the information and make loan recommendations to management.

Negotiate credit rates and terms, as well as the collateral specifications. Also inform borrowers of loan commitments.

Perform inspections and evaluations of collateral as required by the Bank's lending policy.

Coordinate and assist in the closing of commercial and consumer loans.

Monitor loan repayment activities and take necessary action to collect from past due accounts. Prepare recommendations where appropriate for renegotiation or restructuring of terms on those credits exhibiting problem characteristics. Monitor the overall quality of the assigned portfolio and report those credits exhibiting problem characteristics to management.

Structure and complete various documents generated by the lending process. Monitor compliance with loan policy and applicable laws and regulations. Secure insurance on collateral, if required.

Manage financial information of customers to ensure current reports, statements, accounts receivable information and other information is collected on a timely basis.

Notify supervisor of all significant or material matters that come to his or her attention concerning work assigned, opportunities for CBTx, or unusual risks.

Participate in community affairs to increase the Bank's visibility.

Comply with all lawful and clearly stated instructions, as well as the policies and procedures of CBTx.

Make no requests or demands upon any other employee or customer of CBTx for anything that would be unlawful, unethical, unprofessional, immoral, or in violation of any policy or procedure of CBTx.

Be loyal in all fiduciary relationships concerning CBTx and protect all property and money handled on behalf of CBTx.

Use reasonable diligence and skill in performing duties and work assigned.

Perform special projects and other duties as assigned.

Compliance: Knowledge of Bank policies and procedures and regulatory compliance laws. Complete all compliance training as scheduled. Follow bank policies and procedures consistent with regulatory compliance in all situations and activities performed. Properly document any exception to the Bank policy and procedures, including any exception to regulatory compliance requirements.

CBTx supports an equal employment opportunity workplace which includes reasonable accommodation of otherwise qualified applicants and employees. Please discuss any questions or requests about this policy or your job duties with your supervisor.

Minimum Qualifications

Bachelor's degree in business management or administration, or five years of banking experience preferred.

Ability to direct the activities of others and to provide training and education to others preferred.

Standard Knowledge And Skills

Knowledge of CBTx products, services, and operational procedures.

Bilingual ability a plus.

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