Corporate Banker- Sterling Plaza
Apply NowCompany: Prosperity Bank
Location: Dallas, TX 75217
Description:
External Applicants: Please apply through Prosperity Bank's Career Center at https://www.prosperitybankusa.com/Careers. Applying through any other source may prevent Prosperity from receiving your application.
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.
SUMMARY: The position involves all aspects of the Commercial lending function. The incumbent provides underwriting and analytical work as part of the credit approval process, monitors the existing loan portfolio, and markets for new clients in an effort to grow the loan portfolio.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
COMPETENCY
Knowledge of generally accepted accounting principles and various types of commercial loan products are required.
Proven analytical ability is also a requirement.
Verbal and written communication skills are a must.
Familiarity with the bank`s loan policy is a must.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
A college or university degree in a related subject; four to ten years related experience and/or training, or equivalent combination of education and experience is required.
LANGUAGE SKILLS
Good verbal communication skills are required. The ability to concisely understand and explain a loan transaction to others including the Management Loan Committee is required.
Written Skills
Excellent writing skills are required. The ability to concisely and thoroughly write routine loan memoranda and loan application requests are a must.
FINANCIAL SKILLS
Advanced knowledge of financial analysis including, cash flow analysis, balance sheet and income statement analysis, collateral evaluation, loan contracts, and appraisal reports are required.
40 hours
Internal Applicants: If you are a current associate of Prosperity Bank, please apply through the internal Talent - Career Center in ADP.
SUMMARY: The position involves all aspects of the Commercial lending function. The incumbent provides underwriting and analytical work as part of the credit approval process, monitors the existing loan portfolio, and markets for new clients in an effort to grow the loan portfolio.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
- Gathers appropriate information necessary for the proper underwriting of extensions of credit.
- Obtains and analyzes appropriate diligence materials for the evaluation of collateral value.
- Analyze pertinent information and develops appropriate internal loan application documentation used in the approval process.
- Presents loan requests to various Loan Committee's.
- Works with attorneys to ensure appropriate documentation.
- Assembles complete loan packages with adequate documentation in order to meet bank management and regulatory guidelines. Must be familiar with standard concepts, practices, and procedures associated with lending to various industries.
- Monitors existing client relationships including periodic borrowing base and collateral reports and follow up responsibilities related to any past due accounts within the loan portfolio.
- Works with Credit Analysts and Portfolio Managers to provide necessary training and a proper analytical product.
- Identifies new client prospects and manages existing client relationships.
- Maintains open lines of communication with bank clients and bank management.
COMPETENCY
Knowledge of generally accepted accounting principles and various types of commercial loan products are required.
Proven analytical ability is also a requirement.
Verbal and written communication skills are a must.
Familiarity with the bank`s loan policy is a must.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
The requirements listed below are representative of the knowledge, skill, and/or ability required.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
A college or university degree in a related subject; four to ten years related experience and/or training, or equivalent combination of education and experience is required.
LANGUAGE SKILLS
Good verbal communication skills are required. The ability to concisely understand and explain a loan transaction to others including the Management Loan Committee is required.
Written Skills
Excellent writing skills are required. The ability to concisely and thoroughly write routine loan memoranda and loan application requests are a must.
FINANCIAL SKILLS
Advanced knowledge of financial analysis including, cash flow analysis, balance sheet and income statement analysis, collateral evaluation, loan contracts, and appraisal reports are required.
40 hours