TITLE:

Commercial/Ag Loan Officer

DEPARTMENT:

Loan

REPORTS TO:

Market President

JOB SUMMARY:

The Commercial/Ag Loan Officer will be responsible for generating new business, managing a portfolio of commercial and agricultural loans and ensuring compliance with lending policies and regulations.

MAJOR RESPONSIBILITIES:

Develop and maintain relationships with new and existing Commercial and Agricultural customers to understand their financial needs and objectives.

Communicate with customers to explain loan products, terms and conditions.

Analyze financial statements, credit reports and other relevant information to assess the creditworthiness of loan applicants.

Structure and present loan proposals to the Loan Committee for approval.

Negotiate loan terms and conditions with customers, ensuring alignment with company policies and Risk Management.

Monitor the performance of the loan portfolio, identify and address any potential risks or delinquencies.

Stay informed about market trends, industry developments and competitor offerings to identify new business opportunities.

Develop new business by calling on existing and potential customers. Cross-selling Bank services as appropriate.

Additional duties may be assigned from time to time which are deemed to be within the employee's capabilities.

Community Involvement and Collaboration

Represent the Bank positively within the local community through participation in branch-level events and activities.

Support community outreach efforts and reinforce the Banks commitment to local relationships.

PREFERRED SKILLS:

Ability to exercise sound judgment and to observe the highest degree of confidentiality in the handling of information.

Strong understanding of Commercial and Ag lending products, credit analysis and risk assessment.

Excellent interpersonal and communication skills, with the ability to build and maintain strong customer relationships.

Thorough understanding of Bank products and services.

Professional demeanor in appearance, interpersonal relations, work ethic and attitude.

Ability to adhere to Bank policies and procedures.

QUALIFICATIONS:

Bachelors degree in a business field of study.

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First United Bank jobs

Commercial/Ag Loan Officer