Loan Officer

Career Details

Full Time San Marcos Posted on 2/4/2026

Job title: Loan Officer
Reports to: Chief Lending Officer
Department: Loans
FLSA classification: Exempt

SUMMARY:   A loan officer identifies, acquires, and grows new & existing profitable business relationships with businesses & consumers that create value for the customer & yield loan commitments & deposit balances for Schertz Bank & Trust.

DUTIES & RESPONSIBILITIES: The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons.

• Develops potential clientele of average to significant complexity and dollar size in keeping with authorized levels of authority
• Manages existing portfolios, monitoring the financial condition of accounts in relation to acceptable risk
• Attends to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds and/or credit secured by assets
• Interviews loan applicants to develop information concerning their business, needs, desires, & abilities & earnings
• Monitors current loans & credit lines to ensure complete conformity with terms & cognizance of developing trends
• Identifies weaknesses in credit performance and recommends appropriate corrective action
• Provides financial advice & counsel to customers & prospective customers
• Manages all phases of the loan life cycle including, but not limited to relevant systems, loan policies & structure, product knowledge, financial analysis, appraisal review and environmental assessments
• Solicits deposit relationships based on established product offerings
• Utilizes decision making & credit analysis skills to make appropriate credit & structuring decisions
• Completes all required paperwork & forms in a timely & accurate manner
• Prepares all required reports
• Makes presentations to Loan & Discount Committee on loans above lending limit
• Performs other duties as assigned by the President

SUPERVISORY RESPONSIBILITIES: Supervises the loan secretary assigned

QUALIFICATIONS:
Experience: minimum 3 years related experience
Skills:  To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Ability to read, analyze, & interpret financial statements, accounting papers, income tax returns, bank policies, & governmental regulations

• Commitment to excellence & high standards
• Excellent written & oral communication skills
• Strong organizational, problem-solving, & analytical skills
• Ability to manage priorities & workflow
• Versatility, flexibility, & a willingness to work within constantly changing priorities with enthusiasm
• Acute attention to detail
• Proficient on computer and able to learn and use specific software
• Excellent customer service skills
• Proven ability to handle multiple projects & meet deadlines
• Strong interpersonal skills
• Good judgment & the ability to make timely & sound decisions
• Demonstrated ability to calculate figures & amounts such as discounts, interest, & percentages
• Ability to effectively present information & respond to questions
• Ability to effectively communicate with a diversity of individuals at all organizational levels
• Must be able to speak, read, write & understand the primary language used in the workplace
• Desire to represent Schertz bank & Trust in a professional and ethical manner at all times

 PHYSICAL REQUIREMENTS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision and ability to focus. While performing the duties of this job, the employee is regularly required to stand, walk and use hands and fingers to finger, handle, or feel. The employee is frequently required to sit and reach with hands and arms.

WORK ENVIRONMENT: The work environment characteristics are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Full time position with usual working schedule Monday thru Friday 8:00 AM – 5:00 PM
• Some overtime may be required
• Must be available & willing to work at another branch if needed with frequent travel to the Main Branch for regularly scheduled meetings
• Professional dress code is required
• Must be able to function in an environment with a moderate noise level