Commercial Loan Officer

Acquisition, Expansion, and Retention

Acquires, expands, and retains commercial relationships through a proactive calling strategy. Cross-sells ancillary products and services of the bank.

Credit Analysis and Negotiation

Analyzes credit histories of applicants to determine repayment capabilities. Negotiates credit terms, including costs, repayment methods, and collateral specifications.

Interest Rate Structure

Develops and maintains interest rate structures consistent with financial institution policies and competitive market rates. Evaluates potential customer loan requests and makes loan recommendations to management.

Overdraft Management

Daily reviews, approves, and disposes of commercial overdrafts. Reviews new laws and regulations affecting business lending and makes recommendations to management.

New Customer Development

Develops new customer prospects and business for First United. Represents the bank in the local community through active participation in community affairs.

Customer Service and Training

Handles customer complaints and escalates issues as needed. Recommends methods to improve the department. Completes required compliance exams annually. Dresses professionally. Provides assistance and recommends training for new commercial loan officers.

Other Responsibilities

Maintains cleanliness in and around work station. Recommends possible methods to improve department. Adheres to all First United Policies and Procedures. Takes initiative in project development and completion. Adheres to time lines and schedules. Takes initiative in development and completion of projects.