Job Description

Commercial Loan Officer

Plano, TX | Community Banking | Full-Time

Confidential Search

The Opportunity

Our client is a well-established community bank with over 125 years of history, known for a relationship-driven approach to commercial banking. The bank is seeking a Commercial Loan Officer to develop and manage a C&I-focused commercial loan portfolio in the Plano, Texas market, one of the most active commercial banking markets in the region.

This is a business-development-focused role. The successful candidate will be responsible for originating new commercial relationships, underwriting and structuring loans, and managing an existing portfolio, with an annual growth target of $12–20 million. The bank's in-house analyst team provides underwriting and credit support, allowing this role to remain focused on business development and client relationships.

Responsibilities

• Develop new commercial relationships through a proactive calling strategy; retain and expand the existing portfolio.
• Analyze credit history and repayment capacity of loan applicants.
• Negotiate loan terms, repayment structures, and collateral requirements.
• Maintain interest rate structures consistent with bank policy and current market conditions.
• Evaluate loan requests and present recommendations to management.
• Cross-sell additional bank products and services to commercial clients.
• Conduct daily review, approval, and disposition of commercial overdrafts.
• Monitor relevant lending regulations and recommend policy updates as needed.
• Represent the bank in the community through client visits, prospecting, and participation in local business and industry events.
• Provide guidance and mentorship to newer commercial loan officers.

Qualifications

• 3–10 years of commercial banking experience, with C&I lending as a core component.
• Strong sales acumen and a demonstrated track record of new business development.
• Comfortable with a client-facing, relationship-based role that includes regular travel to visit clients, prospects, and community events.
• Solid working knowledge of commercial lending policies, procedures, and credit structuring.
• Bachelor's degree in business, finance, or accounting preferred.
• Strong judgment, problem-solving ability, and interpersonal skills across a range of clients and colleagues.
• Self-directed, dependable, and able to manage multiple priorities and deadlines.

What the Bank Offers

• An established, well-capitalized institution with over a century of presence in its markets.
• A community-oriented culture with a defined focus on financial well-being and community involvement.
• An in-house analyst team supporting credit and underwriting functions.
• A high-growth market with strong potential for portfolio expansion.
• Long-term career growth potential within a stable organization.