Commercial Lender (Full Time) - Houston, River Oaks
PROSPERITY BANK
Houston, TX 77027
Description
External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application.
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer.
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP. Prosperity Bank is an Equal Opportunity Employer.
POSITION PURPOSE
Primary role is to grow and retain profitable relationships. This is accomplished by focusing on the delivery of value-added solutions to our clients and prospects that will help them reach their goals and maximize our revenues over the life of the relationship. You will be a fully experienced, qualified relationship manager capable of independent activity. You should have proven client relationship skills, as well as extensive product knowledge, technical expertise, and strong transaction execution skills. Credit process management is a critical component of your job. Performance will be measured by your effectiveness in many marketing areas, including but not limited to calling activity, proposal generation, revenue generation, risk mitigation, ability to build successful relationships, and propensity to help build the franchise for the long term. Seek opportunities to cross sell into every relationship and anticipate the future needs of the client.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
- Solicit commercial clients; aggressively seeks and obtains quality new business through client and prospect calls, referrals, and cross selling efforts.
- Obtaining and maintaining COI’s and attending various networking events in the assigned geographic area.
- Requires skills and experience loan structuring and credit analysis.
- Generating a wide variety of commercial and real estate loans.
- Closing loans typically in the $1 million to $10 million range.
- Contributes to deposit growth by cross selling and promoting additional banking products
- Other duties as assigned.
The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.
SUPERVISORY RESPONSIBILITIES:
This role has no supervisory responsibilities
QUALIFICATIONS
EDUCATION/CERTIFICATION: Bachelor’s degree in banking, finance or another related field is preferred.
EXPERIENCE REQUIRED: Formally credit trained and /or underwriting knowledge and experience is preferred.
Typically, a minimum of seven years direct lending or credit support related experience with focus on business relationships
KNOWLEDGE REQUIRED: Familiarity of the sales, loan processing and closing processes.
Extensive knowledge of Commercial Banking products and services including working knowledge of C & I as well as Owner-Occupied and Investment Commercial Real Estate loans.
SKILLS/ABILITIES: Ability to expand loans, client relationships and cross sell bank products.
Must have good interpersonal and communication skills and proven track record of business development.
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
Talking: Especially where one must frequently convey detailed or important instructions or
ideas accurately, loudly, or quickly.
Average Hearing: Able to hear average or normal conversations and receive ordinary information.
Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or
fingers.
Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or
products, or operate machinery.
Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)
WORKING CONDITIONS
None: No hazardous or significantly unpleasant conditions (such as in a typical office).
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
Reasoning Ability: Ability to apply logical or scientific thinking to define problems, collect data
establish facts and draw conclusions.
Able to interpret a variety of technical instructions and can deal with multiple
variables.
Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and
selling price; and ratio, proportion, and percentage.
Able to perform very simple algebra.
Language Ability: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and
encyclopedias.
Ability to prepare business letters, proposals, summaries, and reports using
prescribed format and conforming to all rules of punctuation, grammar, diction, and
style.
Ability to conduct training, communicates at panel discussions, and make
professional presentations.
Monday - Friday: 8:00AM - 5:00PM
40 hours per week