Community Loan Officer

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* 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.
* 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 on-going 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 in the local community, 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 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 or finance.
* Two to four years experience, preferably in a financial institution or consumer loan department.
* Extensive knowledge and understanding of life cycles of loans and all aspects of 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 all means of communication including written, verbal, and non-verbal communication.
* Dependable and adheres to time lines and schedules.
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