Community Loan Officer

Community Loan Officer

This position is responsible for developing new business through the underwriting, structuring, and closing of consumer loans, as well as maintaining and servicing an existing portfolio. Represents First United in the community through active participation in community affairs and marketing of all of the bank’s products and services.

• Analyzes credit history of applicants and determines loan repayment capabilities.
• Negotiates credit terms, such as costs, loan repayment methods, and collateral specifications.
• Develops and maintains an interest rate structure consistent with financial institution policies and competitive with current market rates.
• Evaluates potential customer loan requests and makes loan recommendations to management.
• Maximizes bank profitability through appropriate pricing of new loan originations, fee income, and selling of all bank products and services.
• Daily review, approval, and disposition of customer overdrafts.
• Reviews new laws and regulations that influence lending within the financial institution and makes recommendations to management when necessary.
• Supports First United’s strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Develops new customer prospects and business for First United, while managing an existing portfolio.
• Lives and represents the bank locally and actively participates in community affairs.

• Handles customer complaints and escalates issues as needed.
• Work to collect past dues within portfolio.
• Maintain high level of integrity.
• Recommends possible methods to improve department to supervisor.
• Completes all required compliance exams yearly.
• Adheres to all First United Policies and Procedures.
• Dresses professionally.
• Other duties as assigned by supervisor.

• Bachelor’s degree in business or finance.
• Two to four years of experience, preferably in a financial institution or consumer loan department.
• Experience in Agricultural Lending strongly preferred.
• Extensive knowledge of loan life cycles, consumer non-real estate lending policies, and procedures.
• Extensive knowledge of lending services and related areas.
• Excellent leadership, communication, organizational and analytical skills.
• Exceptional customer service skills.
• Demonstrates good judgment, problem‑solving, and decision‑making skills.
• Ability and willingness to take the lead in development and completion of a wide range of projects.
• Computer and software proficiency.
• Strong interpersonal skills and ability to work well with a wide range of people.
• Ability to communicate well with customers by written, verbal, and non‑verbal communication.
• Dependable and adheres to timelines and schedules.

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at  for assistance.

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.