Commercial Loan Officer

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* Acquisition, expansion and retention of commercial relationships using a proactive calling strategy.
* Cross-sell ancillary products and services of the bank.
* 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 interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
* Evaluates potential customer loan requests and makes loan recommendations to management.
* Daily review, approval, and disposition of commercial overdrafts.
* Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
* Provides assistance and recommends training for new commercial loan officers.
* Develops new customer prospects and business for First United.
* Represents the bank in the local community through active participation in community affairs.
* Handles customer complaints and escalates issues as needed.
* Maintains cleanliness in and around work station.
* Recommends to supervisor possible methods to improve department.
* Completes all required compliance exams on a yearly basis.
* Adherence to all First United Policies and Procedures.
* Dresses professionally.
* Other duties as assigned by supervisor.
* Bachelor’s degree in business, finance, or accounting preferred.
* Minimum of three years of experience in commercial banking.
* Extensive knowledge of commercial lending policies and procedures.
* Extensive knowledge of lending services and related areas.
* Business development experience.
* Exceptional customer service skills.
* Good problem-solving and decision making skills.
* Demonstrates good judgment.
* Strong interpersonal skills and ability to work well with a wide range of people.
* Ability to communicate well with customers by all means of communication including written, verbal, and non-verbal communication.
* Willingness to accept additional responsibilities
* Dependable and adheres to time lines and schedules.
* Takes initiative in development and completion of projects.
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