Commercial Loan Officer

First United Bank•Oklahoma City, OK

2d•Onsite

About The Position

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. First United is a learning organization that takes pride in offering exciting opportunities for employees to grow and follow their passions. First United has been voted as one of the top places to work in Oklahoma since 2009. 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. First United's commitment to being a premier employer has been recognized by OKCBiz Magazine as a "Best Places to Work" organization.

Requirements

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.
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.

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.
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.