Commercial Loan Officer

Job Summary

This Commercial Loan Officer is responsible for developing new business through underwriting, structuring, and closing commercial loans, while maintaining and servicing an existing portfolio.

• 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 cost, repayment methods, and collateral specifications.
• Develop and maintain interest rate structure consistent with institutional policies and market rates.
• Evaluate potential customer loan requests and make recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Review new laws and regulations influencing business lending; recommend to management.
• 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.

• Handle customer complaints and escalated issues.
• Maintain cleanliness of workstation.
• Recommend methods to improve department.
• Complete required compliance exams annually.
• Adhere to First United policies and procedures.
• Dress professionally.
• Other duties as assigned by supervisor.

• Bachelor’s degree in business, finance, or accounting preferred.
• Minimum three years of commercial banking experience.
• Extensive knowledge of commercial lending policies, procedures, and related services.
• Business development experience.

• Exceptional customer service skills.
• Good problem‑solving and decision‑making skills.
• Demonstrates good judgment.
• Strong interpersonal skills and ability to work with a wide range of people.
• Clear communication, written, verbal, and non‑verbal.
• Willingness to accept additional responsibilities.
• Dependable and adheres to timelines and schedules.
• Initiative in project development and completion.

Dallas‑Uptown

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.

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