Commercial Loan Officer

Commercial Relationship Manager (SVP/EVP) – C&I / Commercial Lending

Location: Friendswood (South Houston / Clear Lake–League City area)
Employment Type: Full-Time, Exempt
Reports To: Chief Lending Officer / Regional President
Level: SVP or EVP (based on experience, book, and leadership scope)

Position Overview

The Commercial Relationship Manager (SVP/EVP) is responsible for business development, relationship management, and portfolio growth, with an emphasis on C&I and operating company relationships. This is a plug-and-play producer role designed for an experienced commercial lender who can step in quickly, bring or transition relationships, build a sustainable pipeline, and deepen full-bank engagement.

This role is ideal for a lender who wants:

• A relationship-driven community bank environment
• A practical, solutions-oriented credit culture
• Autonomy to run a book like a business (measured by outcomes, not time-in-seat)
• A collaborative team culture with long-term growth opportunities

Key Responsibilities

Business Development & Production

• Develop and execute a calling strategy to generate new commercial relationships, with a focus on C&I lending, owner-occupied real estate, and operating lines/term debt.
• Build and manage a consistent pipeline; demonstrate movement from prospecting → proposal → approval → funding.
• Structure relationships to support long-term retention, profitability, and risk discipline.
• Partner with Treasury Management to drive adoption of cash management solutions and core deposits.
• Grow operating deposits through relationship-based business development.

Annual production goals are established each year by title. Current guidance:

• EVP: ~$12MM net loan growth and ~$5MM deposit growth
• SVP: ~$10MM net loan growth and ~$4MM deposit growth
  (Goals may vary annually based on growth strategy and balance sheet needs.)

Relationship Management & Portfolio Stewardship

• Manage an assigned portfolio with strong attention to credit quality, documentation, and servicing cadence.
• Maintain proactive, ongoing client contact—particularly for C&I borrowers—with regular financial monitoring and issue identification.
• Maintain strong “know your customer” discipline and deep understanding of client operations and industries.
• Coordinate renewals, annual reviews, and covenant monitoring in partnership with Credit.

Credit Partnership & Deal Execution

• Analyze borrower financials and structure deals aligned with credit policy and risk appetite.
• Present credit requests clearly, articulating borrower story, structure, and mitigants.
• Work collaboratively with Credit/Underwriting throughout the approval process.
• Approve loans within individual authority and recommend larger requests to committee.

Leadership & Culture Contribution (SVP/EVP Expectation)

• Model strong relationship management and credit discipline.
• Informally mentor junior lenders and contribute to a collaborative team environment.
• Participate in community and business development activities within the market.

Ideal Candidate Profile

• 7+ years of commercial lending or relationship management experience (community bank environment preferred).
• Proven ability to develop business, manage a pipeline, and grow loans and deposits.
• Strong C&I experience; ability to manage operating relationships (not just transactional lending).
• Sound credit judgment and comfort structuring practical, policy-aligned deals.
• Self-directed, disciplined, and accountable; thrives in a lean, entrepreneurial bank environment.
• Leadership presence and maturity appropriate for an SVP/EVP title.

Education & Credentials

• Bachelor's degree in Business, Finance, Accounting, or related field (preferred).
• Formal credit training program and/or prior credit analyst experience strongly preferred.

Work Style & Expectations

• High autonomy role measured by results, not hours.
• Initial in-office presence expected during onboarding; flexibility increases with performance.
• Local market travel for client meetings and business development.