Commercial & Industrial Banker job – Dallas Capital Bank – Dallas, TX

Commercial & Industrial Banker

Dallas Capital Bank

Dallas, TX

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


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