Description
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".
Position Summary The Senior Loan Officer will be responsible for building and maintaining strong relationships with clients in the Sugar Land and greater Houston market. The ideal candidate will be a true banker with a deep understanding of banking principles and a commitment to providing personalized service that extends beyond just 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 Sugar Land and greater Houston metro market
Must have an understanding of cash-flow principles in order to understand if a good 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 Qualifications, Skills, and Abilities
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
EEO Statement The First State Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or belief, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other legally-protected characteristic.
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Position Summary The Senior Loan Officer will be responsible for building and maintaining strong relationships with clients in the Sugar Land and greater Houston market. The ideal candidate will be a true banker with a deep understanding of banking principles and a commitment to providing personalized service that extends beyond just 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 Sugar Land and greater Houston metro market
Must have an understanding of cash-flow principles in order to understand if a good 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 Qualifications, Skills, and Abilities
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
EEO Statement The First State Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or belief, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other legally-protected characteristic.
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