Commercial Banker

The Commercial Banker's primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank's lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up.

The Commercial Banker's primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank's lending policies and procedures. A Commercial Banker's main focus is on loan amounts $1 million and up.

• Analyze loan markets to develop new prospects and build a strong portfolio of commercial customers.
• Maintain positive, professional relationships with customers and continue communication for growth of portfolio.
• Production focused to build a book of business.
• Analyze applicant's financial status, credit, and property evaluation to determine feasibility of loan request.
• Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered.
• Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
• Actively participates in the Community by attending events and being active in organizations to promote the Bank's business products and services and build relationships.
• Ensures loan closing and funding activities occur timely.
• Identify complex situations, review related information to evaluate and develop an acceptable solution.
• Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank's policies to remain working within the bank's policy guidelines.
• Maintains knowledge of compliance requirements for banking. Handles all customer interactions and file records in compliance with federal and state regulations.
• Maintains product knowledge for establishing full banking relationships with commercial customers.
• Other duties and projects as assigned.

• Bachelor's degree required, preferably in business, finance or another related field
• Minimum of four (4) years of related experience in Commercial Banking is required.
• Formal credit analysis training and working experience in applying is required
• Proficiency in Microsoft Office Products is required
• Ability to organize and analyze complex financial data is required
• Knowledge and understanding of all federal and state regulations regarding lending and related departments and ability to stay current is required
• Excellent analytical and mathematical skills and ability to make a credit decision is required
• Excellent verbal and written communication skills is required
• Demonstrated high level of professionalism and maturity is required
• Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development is required
• Minimal travel within assigned market is required

• Relationship Building
• Sales Driven
• Self-Motivated
• High Business Acumen

• Sitting or standing for extended periods of time.
• Sufficient dexterity of hands and fingers to efficiently operate a computer keyboard, mouse and other computer components.
• Ability to converse and exchange information with all levels of staff within organization.
• Ability to observe, perceive, identify, and translate data
• Ability to travel via air, rail, automobile and/or bus.

At United, our strength is our people, and we are committed to nurturing a culture that is reflective of the communities we serve; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability, status as a protected veteran, or any other characteristic protected by law.