Commercial Loan Officer

First United Bank•San Antonio, TX

About The Position

The Commercial Loan Officer develops new business by underwriting, structuring, and closing commercial loans, while maintaining and servicing an existing portfolio. The role builds and retains commercial relationships through proactive outreach, evaluates creditworthiness and loan requests, negotiates credit terms, and makes loan recommendations to management. It also supports customers, promotes bank products and services, stays informed about relevant lending regulations, and represents First United in the local community.

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.
Good judgment.
Strong interpersonal skills and ability to work well with a wide range of people.
Ability to communicate effectively with customers through written, verbal, and non-verbal communication.
Willingness to accept additional responsibilities.
Dependability and ability to adhere 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 using a proactive calling strategy.
Cross-sell ancillary bank products and services.
Analyze applicants’ credit history and determine their loan repayment capabilities.
Negotiate credit terms, including costs, repayment methods, and collateral specifications.
Develop and maintain an interest rate structure consistent with financial institution policies and procedures and competitive with market rates.
Evaluate potential customer loan requests and make loan recommendations to management.
Review, approve, and disposition commercial overdrafts daily.
Review new laws and regulations affecting business lending and make recommendations 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 possible methods to improve the department to the supervisor.
Complete required compliance exams annually.
Adhere to First United policies and procedures and dress professionally.
Perform other duties as assigned by the supervisor.