Commercial Loan Officer

Job Summary

This position is responsible for developing new business through underwriting, structuring, and closing commercial loans, while 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, repayment methods, and collateral specifications.
• Develop and maintain an interest rate structure consistent with institutional policies and competitive market rates.
• Evaluate loan requests and make recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Review new laws and regulations that influence business lending and recommend actions to management.
• Assist and train new commercial loan officers.
• Develop new customer prospects and business for First United.
• Represent the bank in the local community through active participation.
• Handle customer complaints and escalations.
• Maintain cleanliness of workstation.
• Suggest improvements to the department.
• Complete required compliance exams annually.
• Adhere to all policies, dress professionally, and perform other duties as assigned.

• Education:
  
  Bachelor’s degree in business, finance, or accounting preferred.
• Experience:
  
  Minimum three years in commercial banking.
• Knowledge:
  Extensive understanding of commercial lending policies, procedures, and related services.
• Business development experience.
• Exceptional customer service, problem‑solving, and decision‑making skills.
• Strong interpersonal and communication skills (verbal, written, non‑verbal).
• Willingness to accept additional responsibilities.
• Dependability, adherence to timelines, and initiative in completing projects.

First United is an Equal Opportunity Employer. To the extent required by Federal or State law, First United does not discriminate on the basis of race, color, religion, sex, national origin, or any other protected characteristic. If an applicant is unable to complete an application or respond due to a disability, please email  for assistance.