Sales Jobs in Houston, TX (Now Hiring) — 3,349 open — Page 160

At Vantage Bank, we're driven by a deep commitment to supporting our customers, valuing our employees, embracing diversity, fostering meaningful connections, and providing outstanding service every step of the way.

JOB SUMMARY

The Commercial Relationship Manager III is responsible for soliciting, negotiating, underwriting, and coordinating the closing of complex consumer, residential, equipment, SBA, commercial building and business loans in compliance with the Bank’s lending policies and procedures; develops business checking and deposit relationships with customers; and promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services. The position of Commercial Lender III assists in attaining established Bank, region and branch goals through active participation in sales management and officer call programs.

ESSENTIAL DUTIES

The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

• Engages in business development activities and solicitation of new business; actively involved in instilling and maintaining a positive sales environment through education of the Bank’s products and services.

• Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information.

• Performs prequalification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends.

• Gathers and analyzes all information necessary to present a financing request to Senior Management or Loan Committee for approval; meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions; approves loans within established lending limits or refers and recommends acceptance to the Chief Credit Officer or Loan Committee.

• Coordinates processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/ or documentation from customers; solves problems relative to processing and servicing of loans within his or her portfolio; approves loan disbursements in accordance with agreements.

• Ensures that credit inquiries and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved.

• Ensures that certification or deletion of collateral is made by the appropriate personnel.

• Negotiates, underwrites and processes renewals of credit facilities.

• Approves loan payments, draws from lines of credit, and fund transfers within specified limits.

• Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.

• Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors, and competition.

• Represents Bank in various community, civic, and community reinvestment functions to further enhance the Bank’s image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena.

• Reviews NSF and overdraft reports for customer assigned within his or her portfolio; approves and declines such exceptions within established lending limits.

• Provides deposit and loan account ratings.

• Cross sells the Bank’s other products and services, referring customers to appropriate staff as indicated.

• Updates and corresponds with legal counsel and collectors on workouts, bankruptcies, and charge-offs to ensure all possible precautionary actions or measures are taken.

• Assists in meeting annual deposit and loan growth goals assigned by Senior Management; participates in various internal committees assigned by Senior Management.

• Provides leadership and training to less experienced loan officers and other staff members.

• Assists Senior Management with developing, analyzing, and finalizing complex loan agreements with representatives of large businesses.

• Responds to inquiries or refers to the appropriate department or person, and exhibiting the necessary follow through with customer and/ or staff involved.

• Consistently applies superior decision making techniques, approvals and requests as they apply to existing policies and procedures. Keeping within assigned approval limits and using these instances as learning tools for employee development.

• Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and their personnel.

• Processes, solves and answers complex customer transactions, problems or inquiries.

• Operates computer terminal or personal computer to process account activity, determine balances and resolve problems within given authority.

• Answers telephones, answers questions and directs callers to proper Bank personnel.

• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity to cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.

• Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside action.

• Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issues pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct.

• Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations, which include BSA, CIP, and OFAC requirements as they apply to this particular job title/ position.

• Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.

• Other duties as assigned.

QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities and organizational limitations may result in some deviation from these guidelines.

• Bachelor’s degree in Business or related field required. Accounting or Finance degree strongly preferred.

• 7+ years of relevant experience and/or training OR a combination of education and equivalent experience.

• Demonstrated knowledge in financial statement and tax analysis, lending activities, and loan processing across commercial, construction, real estate, and consumer portfolios.

• Knowledge of related state and federal lending and compliance regulations, and other Bank lending policies.

• Ability to develop marketing and business development skills with customers.

• Basic knowledge of branch operation procedures, Bank products and services.

• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.

• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.

• Proficient computer skills with knowledge of Microsoft Office including, but not limited to, Word, Excel, PowerPoint, and Outlook, the Windows environment, and internet research skills.

• Excellent verbal, written, presentation and interpersonal communication skills.

• Applies strong management practices to plan, organize, and achieve operational goals.

• Ability to always maintain a high degree of ethical standards and complete confidentiality.

COMMUNITY IMPACT

Community involvement is part of who we are. Our culture is built on teamwork, purpose, and service. We value volunteerism and create opportunities for employees to connect, give back, and make a positive difference in our communities. As part of the Vantage Bank team, all associates should embrace our community involvement and culture to ensure we are making an impact.

BANK SECRECY ACT (BSA)

All employees of Vantage Bank, herein referenced to as the “Bank”, must comply with the terms of the BSA Policy upon acceptance of this position. The primary responsibility for enforcement of this policy and its operating procedures rests with the BSA/AML/OFAC Officer. However, it is the responsibility of each employee to take the required BSA training modules and become familiar with and adhere to the Bank Secrecy Act, Anti Money Laundering and Office of Foreign Asset Control Policy.

EOE/M/F/D/V