Commercial Loan Officer

First United Bank; Dallas (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

First United Bank is seeking a Commercial Loan Officer in Dallas to develop new business opportunities through underwriting and structuring commercial loans. This role involves servicing an existing portfolio while actively participating in the local community.

The ideal candidate will have a Bachelor’s degree in finance and a minimum of three years in commercial banking, with a strong understanding of lending policies and processes.

Qualifications

• Minimum three years of commercial banking experience.
• Extensive knowledge of commercial lending policies and procedures.
• Business development experience required.

Responsibilities

• Acquire and expand commercial relationships using proactive strategies.
• Cross-sell ancillary products and services.
• Analyze credit history and determine repayment capabilities.
• Negotiate credit terms and conditions.
• Make recommendations on loan requests to management.

Skills

Commercial banking experience

Customer service skills

Problem-solving skills

Interpersonal skills

Education

Bachelor’s degree in business, finance, or accounting

Job description

Job Summary

This Commercial Loan Officer is responsible for developing new business through underwriting, structuring, and closing commercial loans, while maintaining and servicing an existing portfolio.

Key Responsibilities

• Acquisition, expansion and retention of 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 such as cost, repayment methods, and collateral specifications.
• Develop and maintain interest rate structure consistent with institutional policies and market rates.
• Evaluate potential customer loan requests and make recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Review new laws and regulations influencing business lending; recommend to management.
• Provide assistance and recommend training for new commercial loan officers.
• Develop new customer prospects and business for First United.
• Represent the bank in the local community through active participation in community affairs.

Additional Duties

• Handle customer complaints and escalated issues.
• Maintain cleanliness of workstation.
• Recommend methods to improve department.
• Complete required compliance exams annually.
• Adhere to First United policies and procedures.
• Dress professionally.
• Other duties as assigned by supervisor.

Qualifications & Experience

• Bachelor’s degree in business, finance, or accounting preferred.
• Minimum three years of commercial banking experience.
• Extensive knowledge of commercial lending policies, procedures, and related services.
• Business development experience.

Technical / Functional Competencies

• Exceptional customer service skills.
• Good problem‑solving and decision‑making skills.
• Demonstrates good judgment.
• Strong interpersonal skills and ability to work with a wide range of people.
• Clear communication, written, verbal, and non‑verbal.
• Willingness to accept additional responsibilities.
• Dependable and adheres to timelines and schedules.
• Initiative in project development and completion.

Location

Dallas‑Uptown

Equal Opportunity Statement

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 [e-mail] for assistance.