Loan and Business Development Officer

Victoria, TX

Job Summary

As a Loan and Business Development Officer, your primary role will be growing and retaining profitable relationships by providing mutually beneficial solutions to the Bank and its clients and prospects. As a representative of the Bank, this individual will also be expected to attend civic and community events to promote FSB and your local branch.


Duties and Responsibilities:

·        Assists potential borrowers with completion of initial loan applications; reviews submitted applications for accuracy and completion, requesting additional information or detail as needed

·        Verifies information and financial history provided; acquires borrowers’ credit reports from major credit reporting bureau(s)

·        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

·        Approves or, when outside pre-approved lending limits, refers loans to management for analysis and approval

·        Ensures loan agreements are completed according to policy; calculates and explains payment schedules

·        Explains different lending and credit options and cross-sell bank products to potential and current clients

·        Maintains credit and lending records and files

·        Maintains a robust referral network in the local banking community with builders, real estate agents, and other related businesses.

·        Performs other related duties as assigned.


Required Skills/Abilities:

·        Excellent verbal and written communication skills.

·        Excellent interpersonal, customer service, and sales skills.

·        Extremely proficient with Microsoft Office Suite or related software program.


·        Bachelor’s Degree from an accredited university preferred

·        3+ years with education or 7+ years with requisite experience

Physical Requirements:

·        Prolonged periods sitting at a desk and working on a computer.

·        Must be able to lift up to 15 pounds at times. 

·        Must be able to travel at times.



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