Commercial Loan Officer

United Texas Bank is a Dallas-based Texas business bank focused on providing creative solutions and excellent service to help our clients achieve financial success. The strength of UTB is based on our ability to listen and react to our customer’s needs in a timely, personal, and professional manner.

We are currently seeking a highly qualified and motivated individual to join our team as a Commercial Loan Officer. As a leading financial institution committed to excellence, we are looking for a dynamic professional who can contribute to our success and help drive our financial operations forward. This position reports onsite at our north Dallas headquarters.

What You’ll Do:

• Expand the bank’s commercial real estate loan and deposit business by actively identifying prospects, establishing relationships, and providing financial solutions that best meet the needs for each client.
• Develop a pipeline of referral sources (e.g., CPAs, attorneys, title companies, real estate brokers, etc.) to develop new business.
• Analyze financial information (e.g., balance sheets, income statements, tax returns, etc.) to determine applicant creditworthiness based on sound risk-based examination of strengths and weaknesses.
• Determine appropriate risk ratings and make recommendations for approval/denial of loan requests.
• Mentor lesser experienced credit staff to provide technical guidance, time management skills, lending policy interpretations, and critical decision-making skills.
• Provide analytical support directly to the executive team to identify and measure credit risk and emerging trends within the association’s overall loan portfolio.
• Analyze client-provided financial information to appropriately underwrite and/ or present credit structures for approval.
• Prepare written credit memorandums for presentation and approval.
• Monitor compliance with CRC approved terms for ongoing information requirements such as monthly financial statement information, borrowing base information, and/ or loan or letter agreement covenants.
• Exercise loan authority to make loans, issue letters of credit, lines of credit, and pay overdrafts within designated authority.
• Establish a regular routine for onsite visits to business customers to maintain rapport and cross-sell other products and services.
• Actively participate in meetings with other units/departments to provide input and improve the process.
  
  

Your Qualifications:

• Bachelor’s degree in finance, accounting, economics, or related field.
• Five (5) to ten (10) year experience in credit analysis and/or commercial lending
• Must have requisite expertise in commercial and real estate underwriting practices along with a balanced knowledge of regulatory governance of commercial lending activities.
  
  

UTB Employee Benefits

As a full-time UTB employee you’ll enjoy an array of benefits including a generous Paid Time Off allowance available for use during your first year along with a rich paid holiday schedule. We also offer our employees a selection of other benefits including:

• Medical
• Dental
• Vision
• 401k
• 401k Match
• Telehealth - Employer Provided
• Health Reimbursement Arrangement (HRA)
• Flexible Spending Account (FSA)
• Health Savings Account (HSA)
• Prescription Discount
• Life Insurance – Employer Provided
• Supplemental Life - Voluntary
• Short-term Disability
• Long-term Disability
• Discount Legal Services
• Discount ID Theft Protection Services
  
  

UTB is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.