Description Who we are The First State Bank is an independent community bank focused on relationship banking and providing exceptional customer service within the communities we serve. For over 70 years FSB has held thes…
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Full-time
bachelor degree, postgraduate degree
Posted 1d ago
~40 hrs/week
Responsibilities
The Senior Loan Officer is responsible for building and maintaining client relationships in Victoria and surrounding counties to provide personalized banking solutions. Key duties include assessing creditworthiness, managing loan applications, and collaborating with internal teams to ensure a seamless customer experience.
Requirements
Candidates should ideally hold a Bachelor's or Master's degree with at least 5 years of experience (or 9+ years of requisite experience). Proficiency in Microsoft Office and excellent interpersonal and communication skills are required.
Full job description
Description
Who we are
The First State Bank is an independent community bank focused on relationship banking and providing exceptional customer service within the communities we serve. For over 70 years FSB has held these principles, 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 current and prospective customers in Victoria and surrounding counties. The ideal candidate holds a wholistic view of banking with a deep understanding of banking principles and a commitment to providing personalized service beyond sales.
Duties and Responsibilities
Assess and understand customers' financial needs in order to provide mutually beneficial solutions aligned with customer goals and FSB guidelines
Develop and maintain relationships with new and existing clients in Victoria county and surrounding markets
Must understand basic 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, loan products, and regulatory changes to provide compliant and informed guidance to clients
Must become knowledgeable about other bank products to identify and refer 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
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.
Member FDIC, Equal Housing Lender
The First State Bank opened its doors in Louise, Texas, on May 7, 1956 with $100,000 original capital. The first bank officers were John W. Hancock, President; L.S. Stockton, Executive Vice President and Cashier; and M.W. Crowell, Vice President. By the end of September of the same year, The First State Bank had over $1 million in assets.
The First State Bank continues to grow and is resolved to stay independent. Today the bank has over $820 million in assets, $70 million in capital and 12 full-service branches -- Louise, El Campo, Sweeny, Blessing, Wharton, Ganado, Bay City, Angleton, Victoria, Woodsboro, Refugio and Dilley, and two Loan Production Offices - El Campo Mortgage and Sugar Land. The First State Bank is proud of its community involvement and quality service.
We live up to our motto: "Friendliest Bank Anywhere." Come in and let us prove it to you!
Offices: 206 North Street, Louise, TX 77455, US · 2904 North Velasco Street, Angleton, Texas 77515, US · 3600 7th St, Bay City, Texas 77414, US · Avenue B & 10th Street, Blessing, Texas 77419, US · 1808 West Loop, El Campo, Texas 77437, US
Member FDIC, Equal Housing Lender
The First State Bank opened its doors in Louise, Texas, on May 7, 1956 with $100,000 original capital. The first bank officers were John W. Hancock, President; L.S. Stockton, Executive Vice President and Cashier; and M.W. Crowell, Vice President. By the end of September of the same year, The First State Bank had over $1 million in assets.
The First State Bank continues to grow and is resolved to stay independent. Today the bank has over $820 million in assets, $70 million in capital and 12 full-service branches -- Louise, El Campo, Sweeny, Blessing, Wharton, Ganado, Bay City, Angleton, Victoria, Woodsboro, Refugio and Dilley, and two Loan Production Offices - El Campo Mortgage and Sugar Land. The First State Bank is proud of its community involvement and quality service.
We live up to our motto: "Friendliest Bank Anywhere." Come in and let us prove it to you!
Offices: 206 North Street, Louise, TX 77455, US · 2904 North Velasco Street, Angleton, Texas 77515, US · 3600 7th St, Bay City, Texas 77414, US · Avenue B & 10th Street, Blessing, Texas 77419, US · 1808 West Loop, El Campo, Texas 77437, US