Relationship-Driven Commercial Loan Officer

Talentify; Schertz (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

First United is seeking a Commercial Loan Officer to grow and manage a portfolio of commercial loans. You will underwrite, structure, and close loans while maintaining active client relationships and cross-selling bank services.

The role requires analyzing credit histories, negotiating terms, and staying compliant with banking regulations. You will develop referrals, prospect new clients, and represent First United within the local business community.

Qualifications

• 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.

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 policies and 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 and makes recommendations to management.
• Develops new customer prospects and business for First United.
• Represents the bank in the local community through active participation in community affairs.

Skills

Customer service

Problem solving

Interpersonal skills

Communication

Education

Bachelor’s degree in business, finance, or accounting

Job description

First United is seeking a Commercial Loan Officer to grow and manage a portfolio of commercial loans. You will underwrite, structure, and close loans while maintaining active client relationships and cross-selling bank services.

The role requires analyzing credit histories, negotiating terms, and staying compliant with banking regulations. You will develop referrals, prospect new clients, and represent First United within the local business community.