Commercial Lender

Manage and grow profitable relationships through commercial and agricultural lending operations. a. Solicits and makes loans to commercial finance clients. b. Responsible for building and maintaining relationships of commercial finance. c. Identify and generate leads for new business opportunities; obtain and analyze information concerning their businesses, needs, desires, abilities, and earnings to determine whether a loan may be an acceptable risk. d. Evaluates the financial condition of the client, the value of pledged collateral, and the client's management effectiveness and competency. e. Makes decisions on loans and terms if within own lending limits or makes recommendations to a superior. f. Understands credit structures for underwriting commercial loans and adheres to Bank policies and procedures. Analyzes client provided financial information in order to appropriately underwrite and/or present credit structures for approval for loans/relationships below committee level approval. g. Responsible for final presentation to Loan Committee. h. Monitors the quality of existing accounts and loans to recognize unfavorable trends and recommends corrective action; recognizes problem loans and bring to Management attention early. i. Reviews and approves DDA accounts and overdraft activity on said accounts. j. Reviews note, deed, security agreements, and other documentation that are part of the lending process. k. Verifies that assigned accounts conform to contract and policy limits. l. Ensures that necessary documentation is completed, and requests additional data as needed. m. Confers with superiors on difficult or sensitive issues. n. Calls on potential or existing customers to develop new business and increase or retain existing business. o. Participation in IBAT and TBA. a.

EDUCATION

Bachelor's Degree in Accounting, Business, Economics, or Finance required. b.

RELATED WORK EXPERIENCE

Five plus (5+) years lending experience managing portfolio with actual lending limit. Basic experience in budgeting, cash flow and credit analysis. Knowledge of industry preferred. Legend Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, or national origin .

FDIC-Insured Job Type:

Full-time Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Referral program Tuition reimbursement Vision insurance Application Question(s): What are your salary expectations for the role? Ability to

Relocate:

Bonham, TX 75418: Relocate before starting work (Required)

Work Location:

In person