Commercial Loan Officer

First United Bank; Edmond (OK); On-site; USD 75,000 - 105,000; Full time

Job summary

First United Bank is seeking a Commercial Loan Officer in Edmond to develop and manage a portfolio of commercial loans. The role emphasizes underwriting, structuring, and closing loans, plus servicing existing relationships and expanding business locally.

The position requires strong credit analysis, negotiation skills, and proactive relationship development with clients and community contacts. A solid background in commercial banking and customer service is essential.

Qualifications

• Bachelor’s degree preferred in business, finance or accounting.
• Minimum of three years of experience in commercial banking.
• Extensive knowledge of commercial lending policies and procedures.
• Extensive knowledge of lending services and related areas.
• Business development experience.
• 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.
• Excellent communication across written, verbal, and non-verbal channels.

Responsibilities

• Acquire, expand and retain commercial relationships using a proactive calling strategy.
• Cross-sell ancillary bank products and services.
• Analyze credit history and determine loan repayment capability.
• Negotiate terms, costs, repayment methods and collateral.
• Develop and maintain competitive interest rate structures.
• Evaluate loan requests and make recommendations to management.
• Oversee daily review, approval, and disposition of commercial overdrafts.
• Review laws/regulations and advise management on implications for lending.

Skills

Customer service

Problem solving

Interpersonal skills

Communication

Initiative

Dependability

Judgment

Time management

Education

Bachelor’s degree in business/finance/accounting

Job description

Commercial Loan Officer

SUMMARY This position is responsible for developing new business through the underwriting, structuring, and closing commercial loans, as well as maintaining and servicing an existing portfolio.

MAJOR DUTIES AND RESPONSIBILITIES (ESSENTIAL FUNCTIONS)

• Acquisition, expansion and retention of commercial relationships using a proactive calling strategy.
• Cross-sell ancillary products and services of the bank.
• Analyzes credit history of applicants and determines loan repayment capabilities.
• Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.
• Develops and maintains interest rate structure to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
• Evaluates potential customer loan requests and makes loan recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Reviews new laws and regulations that influence business lending within the financial institution and makes recommendations to management when necessary.
• Provides assistance and recommends training for new commercial loan officers.
• Develops new customer prospects and business for First United.
• Represents the bank in the local community through active participation in community affairs.

ADDITIONAL DUTIES AND RESONSIBILITIES

• Handles customer complaints and escalates issues as needed.
• Maintains cleanliness in and around work station.
• Recommends to supervisor possible methods to improve department.
• Completes all required compliance exams on a yearly basis.
• Adherence to all First United Policies and Procedures.
• Dresses professionally.
• Other duties as assigned by supervisor.

EMPLOYEE SPECIFICATIONS

• Education and Work Experience
• Bachelor’s degree in business, finance, or accounting preferred.
• Minimum of three years of experience in commercial banking.
• Extensive knowledge of commercial lending policies and procedures.
• Extensive knowledge of lending services and related areas.
• 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 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.
• Willingness to accept additional responsibilities.
• Dependable and adheres to time lines and schedules.
• Takes initiative in development and completion of projects.

NOTE: This job description is not intended to be all-inclusive. Employee may perform other related duties as assigned by supervisor to meet the ongoing needs of the organization.

All Locations: Edmond

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.

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.

First United Bank is a family-friendly organization with strong ties to the communities we serve. We practice honesty, integrity, and exceptional customer service as we strive to be the best place, to bank, work and invest. We are committed to providing excellent career opportunities and a wide array of benefits for our staff. And, in recognition of First United's commitment to being a premier employer, we've been honored by OKCBiz Magazine as a "Best Places to Work" organization. As one of only 30 organizations and companies to receive this prestigious designation, we're very proud of our accomplishment! The key to First United's success is, and always will be, our exceptional people. Our employees share a desire to provide the best possible service to our customers and they work creatively, set high standards for themselves, and stick to them.

We look forward to meeting you and wish you the best in your career!