Commercial Lender - Banking

Commercial Loan Officer
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.
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.
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.

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