Commercial Credit Liaison

Our partner is seeking a skilled and experienced Commercial Credit Liaison in Uvalde, TX. This role involves managing a diverse portfolio of commercial loans, ensuring sound credit quality, fostering client relationships, and maintaining compliance with regulatory standards and internal policies.

Responsibilities

• Portfolio Management:
• Assist in managing a portfolio of commercial loans, monitoring performance, compliance, and risk exposure.
• Conduct regular reviews of loan performance and ensure timely renewals, modifications, and payoffs.
• Identify opportunities for portfolio growth and diversification while managing risk effectively.
• Underwriting:
• Perform comprehensive credit analysis and underwriting of commercial loan applications.
• Prepare detailed credit memos and present findings and recommendations to the credit committee.
• Create cash flow models and spread borrower financial statements.
• Assess borrower creditworthiness and recommend appropriate loan structures and terms.
• Compliance Review:
• Review loan packages with lenders to ensure compliance with requirements and internal policies.
• Ensure documentation is complete, accurate, and logged appropriately.
• Conduct post-approval reviews to verify that all conditions have been met and that the loan package complies with standards.
• Relationship Management:
• Build and maintain strong client relationships, understanding financial needs and providing tailored solutions.
• Act as the primary point of contact throughout the loan lifecycle, addressing inquiries and resolving issues.
• Collaborate with the lending team and loan operations to ensure a seamless loan process.
• Risk Management:
• Monitor economic and market trends that may impact the portfolio and recommend adjustments as necessary.
• Ensure compliance with regulatory requirements and internal policies related to commercial lending.
• Conduct periodic risk assessments and stress testing on the loan portfolio.
• Reporting and Documentation:
• Maintain accurate records of loan documentation, financial information, and client communication.
• Prepare regular reports on portfolio performance, risk exposure, and underwriting activities for senior management.

Requirements

• Bachelor’s degree in Finance, Business Administration, or a related field (Master’s degree or relevant certifications preferred).
• Minimum of 5 years of experience in commercial lending, with a focus on portfolio management and underwriting.
• In-depth knowledge of commercial lending products, credit analysis, and financial statement interpretation.
• Strong analytical skills and attention to detail.
• Excellent communication and interpersonal skills, with a customer-focused approach.
• Proficiency in Fiserv, Business Analytics, and Microsoft Office Suite (Excel, Word, PowerPoint).