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 credit terms, including costs, repayment methods, and collateral specifications.

Interest Rate Structure and Compliance

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.

New Laws and Regulations

Reviews new laws and regulations affecting business lending and makes recommendations to management.

Customer Development and Training

Develops new customer prospects and business for First United.

Provides assistance and recommends training for new commercial loan officers.

Community Engagement

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

Customer Service and Complaint Handling

Handles customer complaints and escalates issues as needed.

Department Maintenance

Maintains cleanliness in and around the work station.

Recommends methods to improve the department to the supervisor.

Compliance and Professionalism

Completes all required compliance exams on a yearly basis.

Adheres to all First United Policies and Procedures.

Dresses professionally.

Takes initiative in development and completion of projects.

Additional Duties

Performs other related duties as assigned by supervisor to meet the ongoing needs of the organization.