Dallas Capital Bank
  • 13-Apr-2017 to 12-Aug-2017 (CST)
  • Lending
  • Farmers Branch/Dallas, TX, USA
  • Salary
  • Full Time
  • Credit/Lending

medical, dental, vision, 401k plan


POSITION SUMMARY:  Under general direction, this position is responsible for (i) business development of new Commercial Real Estate lending and depository clients, (ii) effective portfolio management of existing clients, and (iii) will assist with profitable growth of the overall Real Estate Group. Assist with identifying, evaluating (with the assistance of the Credit Underwriting team), and authorizing/recommending approval or denial of Real Estate lending opportunities.

ESSENTIAL RESPONSIBILITIES:

  • Under the direction of and supports the Real Estate Banking Executive with assigned projects.
  • 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 Real Estate lending and Mortgage Purchase activities in accordance with Bank policies and procedures.
  • Assists with new Real Estate and Mortgage Purchase business relationships for the Bank in the type and manner outlined in the Bank's Strategic Plan, including developing relationships extending beyond the initial loan request, to include other bank services.
  • Provide excellent personal 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, with assistance of Portfolio Manager, 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.
  • Develops knowledge and ability to analyze commercial and industrial 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 an understanding of cash flow. Analyze various financial ratios (liquidity, activity, leverage, etc.) against industry benchmarks.
  • Assist with monitoring of existing loans through the ongoing review of 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 Real Estate and Mortgage Purchase customers 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.
  • Represents the Bank in various civic and community functions to enhance its image and develop new business.
  • Promotes favorable image of the Bank in all business activities with the community.
  • Assist the Real Estate Banking Executive 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).  Satisfy continuing education requirements to maintain professional certifications as necessary and to maintain proficient knowledge of all banking rules and regulations.

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.) required. Finance or Accounting degree preferred. Credit Risk Certification (CRC) designation is a plus.
  • Minimum 4 - 8 years' experience in financial services industry, bank lending, loan review, and/or compliance procedures and policies.

WORKING CONDITIONS / ENVIRONMENT:

HOURS:      Monday Friday

                        8am 5pm

                        Some variation in work hours

 TRAVEL:     Occasionally

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

 

Generally comfortable professional environment, largely sedentary role, with some moving about the building.  Some interruption.  Excellent verbal and written communication skills along with telephone and computer usage are critical to the job.  Must be able to read, comprehend, and communicate complex information (i.e., speaking to customers and within small groups, read credit reports and required documents, etc.).

While performing the duties of this job, the employee is occasionally required to stand; walk; sit; reach with hands and arms; talk or hear. The employee must occasionally lift or move up to 10 50 pounds. There is frequent repetitive use of keyboard for approximately 6 hours per day.  This role occasionally operates an automobile traveling to customer locations.  Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee occupying this position. Duties, responsibilities and activities may change at any time with or without notice.

 

 

DCB is an Equal Opportunity and Affirmative Action Employer

Dallas Capital Bank
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