Commercial Loan Officer

First National Bank Texas is seeking a customer-focused Commercial Lender to help local businesses access financing and grow. Build and maintain commercial client relationships, analyze financial statements and credit, assess repayment capacity and collateral, and structure loan recommendations within bank policies and regulatory requirements. Manage a commercial loan portfolio, monitor risk, and collaborate with credit, operations, and compliance teams to provide reliable service. Bring sound judgment, strong communication, and a commitment to integrity and community banking. FNBT offers a stable, growing organization, hands-on experience, structured training, professional development, and opportunities for internal advancement. Prior commercial lending or related banking experience is preferred. Compensation and benefits are determined by the employer.

Responsibilities

• Develop and maintain relationships with local businesses and commercial clients.
• Assess borrowers' financial condition, creditworthiness, and repayment capacity.
• Structure and recommend commercial loans in accordance with bank policies and regulations.
• Review financial statements, tax returns, credit reports, and collateral documentation.
• Manage a portfolio of commercial loans and monitor account performance.
• Partner with banking, credit, compliance, and operations teams to deliver customer-focused service.
• Identify opportunities to support local businesses and community growth.

Required Skills

• Commercial lending
• Credit analysis
• Financial statement analysis
• Loan structuring
• Risk assessment
• Portfolio management
• Cash-flow analysis
• Collateral evaluation
• Relationship management
• Knowledge of banking regulations