Austin Region - Comm/Const RE
# of openings:
Job Number: 21412
Job Title: Senior Commercial Real Estate Lender
Location: Austin Region
Employee Type: Exempt
Broadway Bank was founded in 1941 to serve the San Antonio community. It has evolved from a small neighborhood bank into the largest independently-owned bank headquartered in the San Antonio metropolitan area, and continues to operate as a locally-owned and operated financial institution.
Today, Broadway Bank has more than $2.4 billion in assets and operates a total of 38 locations in South Central Texas and is on every military installation in San Antonio.
Throughout our history, the Broadway Bank leadership team has guided our course with careful and sound decisions that have enabled us to become one of the largest independent banks in the region and one of the strongest and best capitalized.
Our financial position continues to earn the highest ratings for financial safety and soundness from the nation's leading independent financial ratings services. Visit the Broadway Bank website at broadwaybank.com for more information.
Broadway Bank offers an opportunity to work with one of the premier financial service organizations in San Antonio, competitive compensation, and an excellent benefit package that includes:
Medical, dental and vision coverage
Generous Tuition Assistance
Broadway Bankshares Inc. Profit-Sharing 401 (k)
Paid Vacation, Sick, Holidays, and Personal Leave
Paid Training and Development programs
Team-oriented working environment
Further information about careers at Broadway Bank can be found on our Website: www.broadwaybank.com .
Independently manages and develops a loan portfolio comprised primarily of commercial real estate and construction loans Administers the marketing, credit underwriting, negotiating, closing, and monitoring of existing and new commercial real estate credits to maximize earnings for the bank. Responsible for business development activities to attract qualified commercial real estate banking clients.
Duties and Responsibilities:
Follows all lending policies, procedures, and applicable laws to ensure the efficient and effective operation of the commercial real estate loan function.
Initiates and cultivates new commercial real estate loan relationships for the bank through active business development efforts including calls, visits and community involvement. Refers prospects to the appropriate BNB resources.
Analyzes, approves or refers commercial real estate loans by:
Interviewing applicants to develop financial and credit information, define banking needs, assess management abilities, analyze financial strength and determine the risk associated with the request.
Insuring the complete analysis of all financial, industry, and management information.
Evaluating and structuring credit terms in accordance with lending policies.
Preparing, presenting, and recommending loan requests to the appropriate loan committees for approval.
Insuring proper loan documentation is prepared and reviewed.
Maintains existing client base by:
Maintaining periodic contact with clients to determine any banking needs, financial trends, changes in the organization or industry, and general goodwill.
Cross-selling new and existing products and services to clients.
Evaluating and structuring credit requests in accordance with lending policies.
Examining and determining appropriate actions for overdrafts, past due payments, collateral and credit exceptions.
Participates actively in the banks’ marketing programs, community involvement projects, and banking organizations.
Engages in the collection effort of problem loans to reduce the bank’s loss.
Establishing and/or maintaining primary contact relationships with targeted clients to maximize the lifetime value of these key relationships.
Proactively providing a full range of financial/banking services to clients with the assistance of the appropriate partners throughout the organization.
Building loyalty and driving profitable revenue growth by applying key customer relationship management principles including:
Acts as a relationship manager and responsible for:
Resolving immediate client concerns and account issues;
Actively managing a portfolio of targeted/high-value clients and/or segments of clients;
Developing and executing targeted client retention and expansion activities (develop and secure new business from existing portfolio base);
New client acquisition activities, ensuring a more effective identification and cultivation of potentially high-value relationships;
Working to ensure that a coordinated and consistent message reaches targeted clients across all delivery/servicing channels.
Demonstrating strong solution-oriented sales and communications skills and effectively establishing rapport and credibility with clients.
Demonstrating leadership and team-building skills.
Having a broad knowledge of financial services and products with a customer-centric vision.
Assists Commercial Lending Officers and Private Bankers in evaluating real estate loan requests via:
Evaluating proposed real estate collateral;
Assisting in the structuring and pricing of real estate proposal;
Providing sign-off on larger ( >$500M) real estate loan requests.
Keeps current on local developments and major economic issues. Represents the Bank at various functions.
Participates in marketing effort of OREO (other real estate owned) properties; works with Special Assets group to determine appropriate sales price on OREO properties.
Assumes additional responsibilities as directed.
Business Development Activity
New Commercial Banking Relationships obtained
Loan growth and quality
Referrals to other division/organization partners
Net contribution to the division and bank wide budget
Competencies and Behavioral Standards
4 year college degree or equivalent experience
Work Experience :
10+ years Commercial Real Estate lending experience or related real estate experience
Demonstrated credit analysis/underwriting experience
Demonstrated strong business development and relationship management experience
Excellent verbal and written communication skills
Telephone, I-Phone; ability to use I-Pad
Proficiency in Microsoft Word, Excel, and Outlook
Preferred Qualifications :
Degree in Finance, Accounting, or Real Estate
Formal sales training
Formal credit analysis training
2+ years of supervisory experience that includes hiring, performance reviews, scorecards, etc.
CRM Dynamics knowledge or other similar sales management system
To be considered for this position you must at least meet the basic qualifications.
Broadway Bank is an Equal Opportunity and Affirmative Action Employer, M/F/D/V. Member FDIC.
Note: This preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
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