JOB DETAILS

Commercial Lending Officer

CompanyJefferson Bank
LocationSan Antonio
Work ModeOn Site
PostedAugust 11, 2026
About The Company
Jefferson Bank is a family-owned bank serving communities in San Antonio and surrounding areas in the Texas Hill Country. Through the years, Jefferson Bank has created an elite team of highly skilled, family-oriented, and civic-minded individuals who contribute to the Bank's continued success. Jefferson Bank has been a strong part of San Antonio's banking community for more than 75 years. We are independent, locally owned, and ideally structured for convenient personalized service. Our goal is to earn long term relationships every day through integrity, responsiveness and commitment. Our Mission Statement: Earning long-term relationships every day through integrity, responsiveness, and commitment. This is personal to us. Jefferson Careers: https://www.jeffersonbank.com/about-jefferson-bank/careers Facebook: http://www.facebook.com/jeffersonbank Phone: (210) 736-7600 Email: info@jeffersonbank.com Bank NMLS# 597833 Jefferson Bank is an Equal Opportunity Employer and Affirmative Action Employer. As such, we value diversity and inclusion in the workplace and seek to attract and retain individuals who share those values. All qualified job seekers will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, genetic information, or other legally protected status. In addition, we comply with all applicable employment laws governing nondiscrimination and fully support individuals’ rights to be free from discrimination by prohibiting all forms of workplace harassment.
About the Role

JOB FUNCTION:  

This position will develop loan and deposit business by calling on small to middle market commercial companies, professionals and associations primarily located in the San Antonio and surrounding market areas. Manage the loan process including credit underwriting, loan documentation and ongoing loan portfolio management. 

Play an active role in the community to further develop business opportunities. Assist on an as needed basis with credit and deposit needs of an existing loan and deposit portfolio. 

 

DUTIES & RESPONSIBILITIES:

  •  Call on prospective and existing clients to generate loans, deposits and referrals to other areas of the Bank
  • Participate in community-oriented and professional organizations
  • Cross-sell bank investment, trust, deposit and loan products
  • Analyze financial statements, underwrite credit, prepare credit memos and assist in the preparation of loan presentations
  • Ensure loans are documented and closed properly
  • Ensure loans meet all regulatory and compliance guidelines
  • Manage loan and deposit portfolio as established
  • Present loan information to top management and board of directors

 

MINIMUM QUALIFICATIONS:

 

Work Experience 

  • 5 years or more commercial lending experience to include business development, credit underwriting, loan documentation, and portfolio management
  • Ability to provide excellent relationship management and business development/sales skills
  • Thorough knowledge of bank products and services
  • Knowledge of Bank Core Systems

  

Preferred Experience 

  • N/A

 Supervisory Experience  

  • One year supervisory experience  

 

Education/Skills/Experience

  • High School Diploma/GED
  • Bachelor’s degree preferred
  • Credit analysis and underwriting skills
  • Excellent presentation, verbal and writing communication skills 
  • Networking in commercial markets

 

Equipment/Machines/Software 

  • Excellent computer literacy in all Microsoft Programs (Outlook, Internet browsers, Word, Excel, 

Power Point, Adobe Reader) 

  • Ability to work with office equipment such as copiers, scanners, shredders, and fax machines
  • Bank Core Systems   

 

Competency Requirements

  • Ability to work effectively with individuals and groups in managing customer relationships
  • Ability to work independently
  • Ability to connect and networking with business owners and leaders
  • Ability to focus and interpret data to others

 

Physical Requirements

  • Must be able to lift, push and pull files up to 10 lbs
  • Must be able to bend, stoop and be mobile within office environment
  • Must be able to sit for most of the day in front of a computer
  • Must be able to speak and hear clients
  • Must be able to see computer screen to read and type on the keyboard
  • Must have reliable transportation and able to travel to make calls in San Antonio and surrounding areas
  • Occasional travel to other banking centers for meetings 

 

This job description does not imply an employment contract, nor is it intended to include every duty and responsibility that employee is responsible.   Duties and tasks may be assigned by management team based on department and business needs.


Jefferson Bank is an EEO employer and an Affirmative Action Employer, M/F/Disability/Protected Veteran Status.


Click the link below to be redirected to the Equal Employment Opportunity Commission’s website to view the “Know Your Rights” Poster:  


https://www.eeoc.gov/sites/default/files/2023-06/22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf

Key Skills
Commercial lendingBusiness developmentCredit underwritingLoan documentationPortfolio managementFinancial statement analysisRelationship managementSalesRegulatory compliancePresentation skillsCommunication skillsNetworkingMicrosoft OfficeBank core systems
Categories
Finance & AccountingSalesManagement & Leadership
Job Information
📋Core Responsibilities
The Commercial Lending Officer is responsible for developing loan and deposit business by calling on small to middle market companies and managing the full loan process. They must also maintain active community involvement to foster business opportunities and ensure all loans comply with regulatory guidelines.
📋Job Type
full time
📊Experience Level
5-10
💼Company Size
387
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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