Commercial Lender - Banking

The Position Job TitleCommercial Loan Officer Job Description SUMMARY This position is responsible for developing new business through the underwriting, structuring, and closing commercial loans, as well as maintaining and servicing an existing portfolio.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS) Acquisition, expansion and retention of commercial relationships using a proactive calling strategy.

Cross-sell ancillary products and services of the bank.

Analyzes credit history of applicants and determines loan repayment capabilities.

Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.

Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.

Evaluates potential customer loan requests and makes loan recommendations to management.

Daily review, approval, and disposition of commercial overdrafts.

Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.

Provides assistance and recommends training for new commercial loan officers.

Develops new customer prospects and business for First United.

Represents the bank in the local community through active participation in community affairs.

ADDITIONAL DUTIES AND RESONSIBILITIES Handles customer complaints and escalates issues as needed.

Adherence to all First United Policies and Procedures.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and Work Experience

Bachelor’s degree in business, finance, or accounting preferred.

Minimum of three years of experience in commercial banking.

Extensive knowledge of commercial lending policies and procedures.

Exceptional customer service skills.

Ability to communicate well with customers by all means of communication including written, verbal, and non-verbal communication.

Takes initiative in development and completion of projects.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at View email address on click.appcast.io United Bank is a family-friendly organization with strong ties to the communities we serve. We practice honesty, integrity, and exceptional customer service as we strive to be the best place, to bank, work and invest. Our employees share a desire to provide the best possible service to our customers and they work creatively, set high standards for themselves, and stick to them.

J-18808-Ljbffr First United Bank