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 Loan Recommendations

Analyzes credit histories of applicants to determine repayment capabilities. Negotiates credit terms and makes loan recommendations to management.

Loan Administration

• Daily reviews, approves, and disposes of commercial overdrafts.
• Evaluates potential customer loan requests.
• Develops and maintains interest rate structures consistent with financial institution policies and competitive market rates.

Regulatory Compliance and Community Engagement

• Reviews new laws and regulations affecting business lending.
• Makes recommendations to management regarding changes.
• Represents the bank in the local community through active participation in community affairs.

Customer Service and Training

• Provides assistance and recommends training for new commercial loan officers.
• Handles customer complaints and escalates issues as needed.
• Maintains cleanliness in and around work station.
• Recommends methods to improve department.

Compliance and Professionalism

• Completes required compliance exams annually.
• Adheres to First United's policies and procedures.
• Dresses professionally.
• Takes initiative in project development and completion.

Additional Duties

• Communicates effectively with customers via various means.
• Willing to take on additional responsibilities.
• Adheres to time lines and schedules.