Community Loan Officer

Community Loan Officer

SUMMARY

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

• Analyze credit history of applicants and determine loan repayment capabilities.
• Negotiate credit terms, such as costs, loan repayment methods, and collateral specifications.
• Develop and maintain interest rate structure consistent with financial institution policies and procedures, and competitive with current market rates.
• Evaluate potential customer loan requests and make loan recommendations to management.
• Maximize 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.
• Review new laws and regulations that influence lending within the financial institution and make recommendations to management when necessary.
• Support First United’s strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.
• Develop 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.
• Handle customer complaints and elevate issues as needed.
• Work to collect past dues within portfolio.
• Maintain a high level of integrity.
• Recommend to supervisor possible methods to improve department.
• Complete all required compliance exams on a yearly basis.
• Adhere to all First United Policies and Procedures.
• Dress professionally.
• Other duties as assigned by supervisor.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education:
  
  Bachelor’s degree in business or finance.
• Experience:
  
  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 timelines and schedules.

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. 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.