Commercial Lending Officer

Commercial Lending Officer

United Bank of Union is searching for a Commercial Lending Officer to develop and support the lending activities of the bank. The ideal candidate will possess prior commercial lending experience, a strong credit/risk management background, a record of successful business development, a desire for continued professional development, and strong teamwork and communication skills.

• Identify and cultivate new commercial lending and deposit opportunities through networking, referrals, and community involvement.
• Build and maintain relationships with business clients and referral sources.
• Analyze client needs and recommend appropriate loan products.
• Review loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria.
• Prepare proposed credit memos, including recommendations for loan pricing and terms, and receive concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations.
• Monitor loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner.
• Maintain the credit quality of their individual portfolio within bank standards and guidelines; promptly surface all risk issues uncovered over the course of managing the portfolio.
• Ensure all loans meet federal, state, and internal banking regulations.
• Adhere to all federal, state, and bank regulations, including lending limits and documentation.
• Represent the bank at community events and business functions to enhance visibility and build relationships.

• Bachelor's Degree in finance, business administration, or related field (or equivalent experience).
• Minimum 3-5 years of commercial lending experience in a banking environment.
• Proven track record in business development and portfolio management.
• Strong analytical and financial analysis skills.
• Excellent communication and negotiation abilities.
• Proficiency in loan origination systems and Microsoft Office.

United Bank of Union is an Equal Opportunity / Affinitive Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

FDIC Member

Mid-Senior level

Full-time

Finance and Sales

Banking

To learn more about United Bank of Union and application process, visit http://(Use the "Apply for this Job" box below)./careers

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