Commercial Loan Officer

About the role

This position is responsible for developing new business through the underwriting, structuring, and closing of commercial loans, as well as maintaining and servicing an existing portfolio.

Responsibilities

• Acquisition, expansion and retention of commercial relationships using a proactive calling strategy.
• Cross‑sell ancillary products and services of the bank.
• Analyze credit history of applicants and determine loan repayment capabilities.
• Negotiate credit terms, such as costs, loan repayment methods and collateral specifications.
• Develop and maintain interest‑rate structure consistent with financial institution policies and competitive with current market rates.
• Evaluate potential customer loan requests and make loan recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Review new laws and regulations that influence business lending and make recommendations to management when necessary.
• Provide assistance and recommend training for new commercial loan officers.
• Develop new customer prospects and business for First United.
• Represent the bank in the local community through active participation in community affairs.

Additional Duties

• Handle customer complaints and escalate issues as needed.
• Maintain cleanliness in and around work station.
• Recommend possible methods to improve the department to the supervisor.
• Complete all required compliance exams on a yearly basis.
• Adhere to all First United policies and procedures.
• Dress professionally.
• Other duties as assigned by supervisor.

Education and 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.
• Extensive knowledge of lending services and related areas.
• Business development experience.

Technical and Functional Competencies

• Exceptional customer service skills.
• Good problem‑solving and decision‑making skills.
• Demonstrates good judgment.
• Strong interpersonal skills and ability to work well with a wide range of people.
• Ability to communicate effectively with customers by all means of communication, including written, verbal, and non‑verbal.
• Willingness to accept additional responsibilities.
• Dependable and adheres to timelines and schedules.
• Takes initiative in development and completion of projects.

Location

Dallas‑Uptown

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email HR@firstunitedbank.com for assistance.