Overview
Commercial Credit Team Lead – Onsite/Dallas Jobs in Dallas, USA at Security National Bank
Position: Commercial Credit Team Lead – Onsite / Dallas
Established in 1964 in Omaha, Nebraska, our family-owned financial institution’s vision is to be the best in class in meeting the evolving financial needs of our customers. Our extensive history and family-owned legacy give us a deep and genuine understanding of how to serve and treat our customers. We offer a holistic financial approach with solutions for personal, business and wealth in three markets:
Iowa, Nebraska and Texas.
As a community bank, we value long-term partnerships built on trust and integrity. As an employer, we take pride in building meaningful relationships and celebrating the unique differences that define each team member; it’s what makes us a stronger unit. It’s one of the many reasons why creating a strong culture of empowerment, support, and opportunity is an ongoing focus.
JOB SUMMARY
This position is responsible for serving as a credit leader and player-coach overseeing a team of Commercial Portfolio Managers and Credit Analysts while maintaining a moderate personal portfolio and underwriting workload. This role is accountable for credit quality, risk oversight, portfolio health, and talent development for C&I and Private Wealth focused lending (primary), as well as CRE exposure (secondary) in the Dallas market.
The Commercial Credit Team Lead acts as a senior credit partner to Relationship Managers and Credit Administration leaders, ensuring consistent application of credit standards, sound underwriting judgment, disciplined portfolio management, and alignment with the Bank’s risk appetite and strategic objectives. The role emphasizes leadership, judgment, and institutionalization of credit risk and client knowledge, rather than volume-driven underwriting.
ESSENTIAL FUNCTIONS
Team Leadership and Development (25%)
- Leads, mentors, and develops a team of Portfolio Managers (PMs) and Credit Analysts (Analysts) by providing consistent day-to-day coaching and technical guidance to strengthen individual and team capabilities while maintaining an active personal underwriting workload.
- Acts as a strategic partner and subject matter expert for Relationship Managers (RMs), PMs, Analysts and other internal stakeholders/partners.
- Leads deal team credit screening/structuring discussions in partnership with RMs and PMs.
- Models best-in-class underwriting practices through direct involvement in complex or high-profile credit requests.
- Manages workflow, makes portfolio assignments, assigns credit requests, and ensures timely completion of underwriting and portfolio monitoring activities.
- Serves as the primary deal team partner for escalation of credit questions, issues, and direction prior to engaging with Loan Committee or the Director of Credit Administration.
Deal Evaluation, Structuring, Advising, Credit Underwriting and Portfolio Management (20%)
- Provides hands-on leadership and guidance in overseeing the analysis, underwriting, and risk management of the Dallas market conventional portfolios, while ensuring strict adherence to credit policies and regulatory compliance.
- Directly manages a portfolio of credit clients and independently underwrites more complex C&I and CRE credit requests as needed.
- Collaborates with deal team members to evaluate, advise, and structure, new, existing, and complex credit opportunities.
- Takes high level accountability for portfolio wide monitoring activities, including annual reviews, covenant tracking, and early warning identification.
- Helps define the portfolio’s vision, strategic fit, and risk/return profile.
- Leads Dallas market asset quality presentations in monthly asset quality meetings for covered portfolios.
- Ensures market underwriting, loan documentation, deal structures, and ongoing monitoring are consistent with bank expectations, appetite, and policy.
Loan Documentation Negotiation and Review (20%)
- In partnership with the deal team, leads the outside counsel documentation process including selection of appropriate attorneys, review and negotiate loan documents, ensuring consistency with approvals and prudent evaluation of documentation risk.
- Provides expertise and assist RMs, PMs, and analysts on legal documentation related items.
- Partners with internal and external counsel and loan operations to resolve client requests and internal/external issues.
- Resolves escalated issues working with Loan Assistants and Loan Operations Staff to navigate through closing processes and ensure compliance with bank operations and credit standards.
- Reviews and opinions on term sheets and commitment letters.
Credit Approval, Review, and Recommendation (15%)
- Acts as a first line credit approver and day to day credit approval liaison for the C&I team authority.
- Exercises Level 2 approval authority on credit requests.
- Reviews Opportunity Assessment and Credit Memos prior to approval/submission to Loan Committee and/or the Director of Credit Administration.
Cross-Functional Collaboration (10%)
- Works closely with RMs, operations, treasury management, credit administration, and senior credit leadership to…
Title: Commercial Credit Team Lead – Onsite/Dallas
Company: Security National Bank
Location: Dallas, USA
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