Commercial Loan Review Officer jobs in Lubbock, TX

Commercial Loan Review Officer performs reviews of bank's commercial loans to ensure compliance with established policies and credit standards. Reviews small loans of little complexity. Being a Commercial Loan Review Officer typically requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Loan Review Officer gains exposure to some of the complex tasks within the job function. Occasionally directed in several aspects of the work. To be a Commercial Loan Review Officer typically requires 2 to 4 years of related experience. (Copyright 2024 Salary.com)

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Commercial Loan Officer II
  • Happy State Bank - A Division of Centennial Bank
  • Plainview, TX FULL_TIME
  • GENERAL DESCRIPTION OF POSITION

    The Commercial Loan Officer II is responsible for extending credit within the policies and guidelines set forth in the loan policy. This position ensures that all loan decisions, actions, and recommendations are based on an accurate and thorough understanding of each customer's financial needs and conditions and comply with all laws, regulations, and bank policies. The Commercial Loan Officer II must properly administer the creditworthiness and documentation of all loans and/or borrowing relationships originated or assigned to the officer. Further, it is the officer's responsibility to maintain current credit files and proper note and collateral security documents.

    In addition, each officer shall be responsible for:

    A. Assigning the proper credit rating to loans as defined in this policy at origination and as conditions may change with the normal credit monitoring process. It is expected that officers should be the first to recognize and report deterioration in the credit quality of a loan or borrowing relationship. Early identification of problem loans is extremely important to minimizing losses.

    B. Recommending approval and administer workout programs for problem loans.

    C. Recommending approval and monitor levels of reserves established for loans serviced by the officer.

    D. Administering the collection process either internally or with bank counsel complying with all laws and regulations.

    E. Protecting depositors' funds and stockholders' equity.

    F. Generating earnings for the bank and its stockholders.

    G. Promoting and maintain a favorable image for the bank.

    H. Interviewing loan applicants and makes credit decisions.

    I. Responsible for developing new business and managing existing portfolio.

    J. Responsible for collecting past due loans, keeping credit and collateral exceptions within policy ranges.

    K. Manages a portfolio of loans and may coordinate collection efforts.

    ESSENTIAL DUTIES AND RESPONSIBILITIES

    1. Interviews commercial loan applicants. This duty is performed daily, about 10% of the time.

    2. Examines and evaluates applicants credit and financial history. This duty is performed daily, about 10% of the time.

    3. Examines/Views collateral (if applicable) to determine adequacy. This duty is performed daily, about 10% of the time.

    4. Authorizes or recommends approval/denial of applicant. This duty is performed daily, about 10% of the time.

    5. Approves loan within specified limits or refers to appropriate approval level. This duty is performed daily, about 5% of the time.

    6. Prepares loan offering memorandum. This duty is performed daily, about 10% of the time.

    7. Ensures all loan documents are complete, accurate and in accordance with policy. This duty is performed daily, about 5% of the time.

    8. Closes/Declines loans in a timely manner. This duty is performed daily, about 5% of the time.

    9. Monitors loan portfolio/performance. This duty is performed daily, about 5% of the time.

    10. Corresponds with customers. This duty is performed daily, about 10% of the time.

    11. Recommends changes in risk rating. This duty is performed daily, about 5% of the time.

    12. Collects past due loan payments. This duty is performed weekly, about 5% of the time

    13. Develops potential loan markets and loan prospects. This duty is performed daily, about 5% of the time.

    14. Completes required BSA/AML training and other compliance training as assigned. This duty is performed annually, about 5% of the time.

    15. The ability to work in a constant state of alertness and in a safe manner.

    16. Perform any other related duties as required or assigned.

    QUALIFICATIONS

    To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

    EDUCATION AND EXPERIENCE

    Broad knowledge of such fields as accounting, marketing, business administration, finance, etc. Equivalent to a four year college degree, plus 5 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.

    COMMUNICATION SKILLS

    Ability to write reports, business correspondence, and policy/procedure manuals; Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

    MATHEMATICAL SKILLS

    Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.

    CRITICAL THINKING SKILLS

    Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

    REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

    Not indicated.

    PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

    Not indicated.

    SOFTWARE SKILLS REQUIRED

    Intermediate: Spreadsheet, Word Processing/Typing

    WORKING CONDITIONS

    Somewhat disagreeable working conditions. Continuously exposed to one or two elements such as noise, intermittent standing, walking; and occasional pushing, carrying, or lifting.

    ENVIRONMENTAL CONDITIONS

    The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    The noise level in the work environment is usually quiet.

    PHYSICAL ACTIVITIES

    The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

    Moderate diversity, low physical. Work activities which allow for a moderate amount of diversity in the performance of tasks which are not as varied as those positions with high-level diversity and decision-making.

    While performing the functions of this job, the employee is regularly required to sit, talk or hear; frequently required to use hands to finger, handle, or feel; and occasionally required to stand, walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

    ADDITIONAL INFORMATION

    • College degree in general business, finance, economics or accounting.
    • Five (5) years lending experience.
    • Five (5) years experience with banking, investment, or economic analysis.
    • Two (2) years experience using Microsoft Word and Excel.
    • Must have general computer skills.
    • The ability to communicate using oral and written skills.

    The position may require the use of a vehicle to service customers, administer or participate in civic events, commute to company-owned properties, commute to company-related places of business, or any other purpose considered necessary to the job. Therefore, this position is classified as a safety sensitive position.

    Education

    Preferred
    • Bachelors or better

    Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

    The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

  • 21 Days Ago

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Commercial Loan Officer II
  • CEN
  • Plainview, TX FULL_TIME
  • GENERAL DESCRIPTION OF POSITION The Commercial Loan Officer II is responsible for extending credit within the policies and guidelines set forth in the loan policy. This position ensures that all loan ...
  • 22 Days Ago

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Commercial Loan Assistant (Hobbs)
  • First American Bank
  • Hobbs, NM FULL_TIME
  • Summary: Responsible for administrative functions and relationship management of commercial loan customers. Responsibilities: Daily support of and preparation of documentation for lending staff. Tactf...
  • 9 Days Ago

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Commercial Loan Assistant (Lovington)
  • First American Bank
  • Lovington, NM OTHER
  • Summary: Responsible for administrative functions and relationship management of commercial loan customers. Responsibilities: Daily support of and preparation of documentation for lending staff. Tactf...
  • 14 Days Ago

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Mortgage Loan Officer Assistant
  • Flat Branch Home Loans
  • Lubbock, TX FULL_TIME
  • Basic Description: The Loan Officer Assistant will assist & support their Senior Mortgage Banker(s) (SMB) in the origination of residential real estate loans. This support role is critical in facilita...
  • 19 Days Ago

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Bilingual Loan Officer Partner
  • SecurityNational Mortgage
  • Midland, TX FULL_TIME
  • Have you been searching for an opportunity to learn from top mortgage industry professionals and maximize your earning potential? If so, we are looking for you! We’re hiring a driven mortgage Loan Off...
  • Just Posted

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0 Commercial Loan Review Officer jobs found in Lubbock, TX area

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Service Manager - Lubbock, TX
  • Brucknertruck
  • Lubbock, TX
  • ** Service Manager - Lubbock, TX** **Job Category****:** Service Department **Requisition Number****:** SERVI002690 Show...
  • 3/28/2024 12:00:00 AM

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Real Estate Acquisitions Manager
  • Thunder Sun Homes
  • Lubbock, TX
  • Thunder Sun Homes is expanding and in search of an Acquisitions Manager to join our Acquisitions Team and lend a hand in...
  • 3/28/2024 12:00:00 AM

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Dental Hygienist - choose your shift
  • GoTu
  • Lubbock, TX
  • Pay Range: $40-$70/Hour By using the GoTu app, you can find local temporary and permanent opportunities and get peace of...
  • 3/28/2024 12:00:00 AM

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CNA 1 - Observation Care
  • Covenant Health
  • Lubbock, TX
  • Description The Certified Nursing Assistant performs basic patient care by assisting in the treatment and care of patien...
  • 3/28/2024 12:00:00 AM

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Nursing Assistant - Staffing
  • Covenant Health
  • Lubbock, TX
  • Description Provides assistance with direct patient care under the supervision of a registered nurse. Providence caregiv...
  • 3/28/2024 12:00:00 AM

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Financial Professional
  • New York Life Insurance Company
  • Lubbock, TX
  • Financial Professional Must live within 300 miles of the Lubbock, TX area. Are you a leader who has the following traits...
  • 3/27/2024 12:00:00 AM

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Experienced Financial Professional
  • New York Life
  • Lubbock, TX
  • Job Description Job Description We are seeking an Experienced Financial Professional! You will be responsible for the ef...
  • 3/27/2024 12:00:00 AM

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Financial Services Professional
  • Bankers Life
  • Lubbock, TX
  • Bankers Life®, one of the most respected brands in the Financial Services industry, is seeking ambitious individuals to ...
  • 3/26/2024 12:00:00 AM

Lubbock (/ˈlʌbək/ LUB-ək) is the 11th-most populous city in the U.S. state of Texas and the county seat of Lubbock County. With a population of 256,042 in 2015, the city is also the 83rd-most populous in the United States. The city is located in northwestern part of the state, a region known historically and geographically as the Llano Estacado, and ecologically is part of the southern end of the High Plains, lying at the economic center of the Lubbock metropolitan area, which has a projected 2020 population of 327,424. Lubbock's nickname, "Hub City", derives from it being the economic, educat...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Commercial Loan Review Officer jobs
$49,502 to $69,874
Lubbock, Texas area prices
were up 1.2% from a year ago

Commercial Loan Review Officer in La Crosse, WI
Commercial loan workers specialize in the commercial sector of lending, and have a slightly different job description than the loan officer—though responsibilities may be similar or exactly the same.
February 01, 2020
Commercial Loan Review Officer in Vincennes, IN
Evaluates quality of commercial loans and the assigned risk ratings indicating borrower’s financial strength and probability of loan repayment.
February 23, 2020
Commercial Loan Review Officer in Mcallen, TX
Communicate recommendations and credit risk management processes to the Loan Review Officer III that strengthens the organization and enhances overall supervision of lending methods and provides tools to continually measure effectiveness.
January 17, 2020