Dallas Capital Bank
  • 03-Feb-2017 to 31-Aug-2017 (CST)
  • Lending
  • Dallas/Farmers Branch, TX, USA
  • Base + Commission
  • Full Time
  • Credit/Lending

401(k) plan, medical, dental, vision, life


POSITION SUMMARY: This position is responsible for (i) business development of new Commercial and Industrial ("C&I") lending and depository clients, and (ii) effective portfolio management of existing C&I clients. Employee shall identify, evaluate (with the assistance of the Credit Underwriting team), and authorize/recommend approval or denial of C&I lending opportunities. Employee shall effectively communicate with other Bank employees.


ESSENTIAL RESPONSIBILITIES:
• Abide by the Bank's Strategic Plan, vision, goals, code of conduct, code of ethics, privacy/confidentiality protocol and all other appropriate rules and regulations.
• Perform general C&I lending activities in accordance with Bank policies and procedures.
• Generate new C&I loan and deposit relationships for the Bank in the type and manner outlined in the Bank's Strategic Plan, including developing relationships extending beyond the initial loan/deposit request.
• Provide excellent customer service to existing clients to promote client retention and portfolio growth.
• Achieve performance goals through proactive growth and retention of quality clients with a focus on driving overall profitability to meet bank targets.
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Review Loan Approval Reports (prepared by the Credit Underwriting team) including credit analyses and summaries of loan requests, and submit to loan committee for approval.
• Firm understanding and ability to analyze C&I loan opportunities, as well as, an overall understanding of commercial real estate transactions.
• Following guidelines established by the Bank, analyze trends in both the income statement and balance sheet. Have a firm understanding of cash flow. Analyze various financial ratios (liquidity, activity, leverage, etc.) against industry benchmarks.
• Monitor or coordinate monitoring of existing loans through the ongoing review of updated financial statements, customer and community interfacing, and review of internal reports.
• Review and understand all loan documentation requirements, including those from third parties, such as appraisers, participants, insurance or title companies.
• Work with C&I clients to resolve delinquent accounts for collection.
• Review Problem Loan Reports (prepared by the Credit Underwriting team) as directed by policy, if necessary.
• Resolve customer questions/issues through direct involvement or through coordination with other bank employees.
• Assist the C&I Executive Officer as needed in order to achieve department and Bank wide goals.
• Complete and pass required training courses by due date. (i.e. Compliance – BSA/AML, Identity Theft and IT Security)


COMPETENCIES: To perform the job successfully, an individual should demonstrate the following competency to perform the essential functions of this position.
• Business Ethics and Acumen
• Community/Civic Involvement
• Communication/Customer Service
• Financial Management
• Presentation Skills/Technical Skills
• Planning/Organization/Teamwork/Team Building
• Problem Solving/Analytical/Sound Judgment


EDUCATION / EXPERIENCE:
• Bachelor's degree (B.A.) from a four-year institution required. Plus strong understanding of banking fundamentals, and experience with credit and financial analysis. Credit Risk Certification (CRC) designation is a plus.
• Minimum 4-10 years' experience in financial services industry, banking, loan review, and/or compliance procedures and policies.


WORKING CONDITIONS / ENVIRONMENT:
HOURS: Monday – Friday
8am – 5pm
Some variation in work hours
TRAVEL: Occasionally




DCB is an Equal Opportunity and Affirmative Action Employer

Dallas Capital Bank
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