Commercial Loan Officer
Acquisition, Expansion, and Retention
Acquires, expands, and retains commercial relationships through a proactive calling strategy.
Sells ancillary products and services of the bank to existing and potential clients.
Loan Analysis and Negotiation
Analyzes credit histories of applicants to determine their repayment capabilities.
Negotiates loan 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 new customer loan requests and makes loan recommendations to management.
Overdraft Management
Daily reviews, approves, and disposes of commercial overdrafts.
Legal Compliance and Community Involvement
Reviews new laws and regulations affecting business lending and makes recommendations to management.
Represents the bank in the local community through active participation in community affairs.
Customer Service and Training
Handles customer complaints and escalates issues as necessary.
Maintains cleanliness in and around the work station.
Provides assistance and recommends training for new commercial loan officers.
Additional Responsibilities
Completes all required compliance exams on a yearly basis.
Adheres to all First United Policies and Procedures.
Dresses professionally.
May perform other related duties as assigned by supervisor.