Commercial Loan Officer

First United Bank; Oklahoma City (OK); On-site; USD 70,000 - 90,000; Full time

Job summary

First United Bank in Oklahoma City is seeking an experienced Commercial Loan Officer responsible for developing and managing a portfolio of commercial loans. The ideal candidate will have at least three years of experience in commercial banking and a strong background in business development.

Responsibilities include analyzing credit histories, negotiating loan terms, and maintaining customer relationships. Exceptional customer service skills are a must. Join First United, an Equal Opportunity Employer, and contribute to our community.

Qualifications

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

Responsibilities

• Acquire and retain commercial relationships using proactive calling.
• Analyze credit histories and determine repayment capabilities.
• Negotiate credit terms and manage loan requests.

Skills

Exceptional customer service skills

Problem-solving

Interpersonal skills

Education

Bachelor’s degree in business, finance, or accounting

Job description

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.
• 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 to be consistent with financial institution policies and procedures, and to be competitive with current market rates.
• Evaluate potential customer loan requests and make loan recommendations to management.
• Daily review, approval, and disposition of commercial overdrafts.
• Review new laws and regulations that influence business lending within the financial institution and make recommendations to management when necessary.
• 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 and Responsibilities

• Handle customer complaints and elevate issues as needed.
• Maintain cleanliness in and around work station.
• 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.

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.

All Locations: OKC‑Downtown

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.