Commercial Loan Officer

First United Bank • San Antonio, TX

2d

About The Position

The Commercial Loan Officer develops new business by underwriting, structuring, and closing commercial loans and maintains and services an existing portfolio. The role also develops and retains commercial relationships, evaluates loan requests, and represents First United in the local community. The position is located in San Antonio.

The successful candidate will have commercial banking experience, knowledge of commercial lending policies and services, and business development experience. A bachelor's degree in business, finance, or accounting is preferred. The role requires strong customer service, communication, judgment, problem-solving, and interpersonal skills.

Requirements

• 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 well with a wide range of people.
• Ability to communicate effectively with customers in writing, verbally, and nonverbally.
• Willingness to accept additional responsibilities.
• Dependability and adherence to timelines and schedules.
• Initiative in developing and completing projects.

Nice To Haves

• Bachelor's degree in business, finance, or accounting preferred.

Responsibilities

• Acquire, expand, and retain commercial relationships through a proactive calling strategy.
• Cross-sell bank products and services.
• Analyze applicants’ credit histories and assess their loan repayment capabilities.
• Negotiate credit terms, including costs, repayment methods, and collateral specifications.
• Develop and maintain an interest rate structure consistent with institutional policies and market rates.
• Evaluate prospective customer loan requests and make loan recommendations to management.
• Review, approve, and disposition commercial overdrafts daily.
• Review laws and regulations affecting business lending and recommend actions to management when necessary.
• Assist 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.
• Handle customer complaints and escalate issues as needed.
• Maintain cleanliness in and around the workstation.
• Recommend methods to improve the department.
• Complete required compliance exams annually.
• Adhere to First United policies and procedures.
• Dress professionally.
• Perform other duties assigned by the supervisor.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed