Commercial Loan Officer

Overview

Rio Bank is a South Texas owned and managed bank with a strong focus on personalized customer service. Our team is passionate about helping businesses grow and achieve their goals. We are equally passionate about building strong relationships with our clients and the community. If you are ready for a change and are looking for a challenging and rewarding career in banking, Rio Bank is the place for you.

We are seeking a dynamic and experienced Commercial Loan Officer to join our growing team. At Rio Bank, we understand that every loan is different based on each client's situation. Our competitive terms, support from upper management, and a personal approach to helping customers succeed gives us a competitive edge in the market.

We combine the financial strength of a large bank with the flexibility and personalization of a local bank. That's what makes Rio Bank "Your Kind of Bank. Your Kind of Banker."

Rio Bank offers a competitive salary and benefits package, including a quarterly incentive plan for Commercial Loan Officers. We'd love to get to know you. Apply now and let's build something great together.

Qualifications

• High School Diploma required. Bachelor's degree in finance, business or related field from an accredited college or university preferred.
• Three (3) or more years’ experience as a Commercial Loan Officer or in a related field.
• Proven sales ability, effective interpersonal skills, and a strong desire to succeed. Bilingual (English/Spanish) preferred.
• Must be highly self-motivated with strong problem-solving skills.
• Knowledge of financial ratios and accounting principles and the ability to analyze and evaluate complex financial information required.
• Proficient use of computers and Microsoft Office Suite (Word, Excel, PowerPoint).
• Must be willing to participate in community events on behalf of the bank.
• Must possess a valid Texas Driver License.

Work Schedule

Monday - Friday, 8:30 a.m. to 5:30 p.m.; hours vary and may include evening hours to attend community events.

Duties & Responsibilities

• Originate and close commercial loans for businesses of all sizes.
• Develop strong relationships with customers to understand their financial needs and tailor solutions accordingly.
• Negotiate credit terms and structure loan financing based on risk considerations.
• Approve loans within specified limits. Refer loan applications outside authorized limits to management for approval.
• Present loan packages to loan committee for approval.
• Manage a portfolio of commercial loans and monitor loan performance.
• Stay abreast of industry trends and other financial services and products to better meet customers’ needs.
• Promote the bank through active community involvement and strong customer relations.
• Develop new customer prospects and business for the bank.

Benefits

• Paid time off
• Paid holidays
• 401(k) plan with company match
• Medical, dental and vision insurance
• Life insurance
• Employee assistance program
• Flexible spending account (FSA)
• Training and career development
• Charity match
• Community engagement
• Professional and friendly work environment

Rio Bank is an equal opportunity employer and is committed to providing equal employment opportunity for all persons regardless of race, religion, color, sex, national origin, age, disability, veteran status, sexual orientation or gender identity. Reasonable accommodations for an individual’s disabilities will be made for qualified applicants who are able to successfully perform the essential functions of the job with or without reasonable accommodation.