Commercial Loan Officer

First United Bank; Garden Ridge (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

First United Bank is looking for a Commercial Loan Officer in Garden Ridge. This role involves developing new business through underwriting, structuring, and closing commercial loans, as well as managing an existing portfolio of customers.

The ideal candidate will have at least three years of commercial banking experience and a Bachelor’s degree in a related field. Strong customer service skills and the ability to communicate effectively are essential for success in this role.

Qualifications

• Extensive knowledge of commercial lending policies and procedures.
• Business development experience.
• Ability to communicate well with customers by all means of communication.

Responsibilities

• Acquire and retain commercial relationships using a proactive calling strategy.
• Analyze credit history of applicants and determine loan repayment capabilities.
• Negotiate credit terms, including costs and collateral specifications.

Skills

Exceptional customer service skills

Good problem-solving and decision-making skills

Strong interpersonal skills

Education

Bachelor’s degree in business, finance, or accounting

Minimum of three years of experience in commercial banking

Job description

Commercial Loan Officer

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

• 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 Responsibilities

• 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 timelines 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.

Location

Garden Ridge

Application Assistance

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.

Equal Opportunity Employer 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.