Commercial Loan Officer

Position Summary

Commercial Loan Officer – responsible for developing new business through underwriting, structuring, and closing commercial loans, as well as maintaining and servicing an existing portfolio.

• Acquire, expand, and retain 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, costs, loan repayment methods, and collateral specifications.
• Develop and maintain an interest‑rate structure consistent with institutional 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 recommend adjustments to management.
• Provide assistance and recommend training for new commercial loan officers.
• Develop new customer prospects and business for the bank.
• Represent the bank in the local community through active participation in community affairs.
• Handle customer complaints and escalated issues as needed.
• Maintain cleanliness and organization of the work station.
• Recommend to supervisor potential methods to improve department operations.
• Complete all required compliance examinations on a yearly basis.
• Adhere to all corporate policies and procedures.
• Dress professionally at all times.
• Perform additional duties as assigned by supervisor.

• Preferred:
  Bachelor’s degree in business, finance, or accounting.
• Minimum of three years of experience in commercial banking.
• Extensive knowledge of commercial lending policies, procedures, and related services.
• Business development experience.
• Exceptional customer service skills.
• Strong problem‑solving and decision‑making abilities.
• Demonstrates good judgment and strong interpersonal skills.
• Effective communicator in written, verbal, and non‑verbal formats.
• Willingness to accept additional responsibilities.
• Dependable, with strict adherence to timelines and schedules.
• Initiative in development and completion of projects.

This job description is not intended to be all‑inclusive. Employees may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

Mc Kinney

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.