United Bank of Union
Commercial Lending Officer
United Bank of Union is searching for a Commercial Lending Officer to develop and support the lending activities of the bank. The ideal candidate will possess prior commercial lending experience, a strong credit/risk management background, a record of successful business development, a desire for continued professional development, and strong teamwork and communication skills.
Responsibilities
Identify and cultivate new commercial lending and deposit opportunities through networking, referrals, and community involvement.
Build and maintain relationships with business clients and referral sources.
Analyze client needs and recommend appropriate loan products.
Review loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria.
Prepare proposed credit memos, including recommendations for loan pricing and terms, and receive concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations.
Monitor loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner.
Maintain the credit quality of their individual portfolio within bank standards and guidelines; promptly surface all risk issues uncovered over the course of managing the portfolio.
Ensure all loans meet federal, state, and internal banking regulations.
Adhere to all federal, state, and bank regulations, including lending limits and documentation.
Represent the bank at community events and business functions to enhance visibility and build relationships.
Qualifications
Bachelor's Degree in finance, business administration, or related field (or equivalent experience).
Minimum 3-5 years of commercial lending experience in a banking environment.
Proven track record in business development and portfolio management.
Strong analytical and financial analysis skills.
Excellent communication and negotiation abilities.
Proficiency in loan origination systems and Microsoft Office.
United Bank of Union is an Equal Opportunity / Affinitive Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.
FDIC Member
Seniority Level Mid-Senior level
Employment Type Full-time
Job Function Finance and Sales
Industries Banking
To learn more about United Bank of Union and application process, visit http://www.ubu.bank/careers
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Responsibilities
Identify and cultivate new commercial lending and deposit opportunities through networking, referrals, and community involvement.
Build and maintain relationships with business clients and referral sources.
Analyze client needs and recommend appropriate loan products.
Review loan requests, credit history, and financial statements to perform a detailed analysis to determine whether proposed applications meet lending criteria.
Prepare proposed credit memos, including recommendations for loan pricing and terms, and receive concurrence from the credit approving officer/s prior to proceeding with in-depth client negotiations.
Monitor loan portfolio, communicating directly with borrowers, to ensure that all required financial exhibit due dates are monitored and received from customers in a timely manner.
Maintain the credit quality of their individual portfolio within bank standards and guidelines; promptly surface all risk issues uncovered over the course of managing the portfolio.
Ensure all loans meet federal, state, and internal banking regulations.
Adhere to all federal, state, and bank regulations, including lending limits and documentation.
Represent the bank at community events and business functions to enhance visibility and build relationships.
Qualifications
Bachelor's Degree in finance, business administration, or related field (or equivalent experience).
Minimum 3-5 years of commercial lending experience in a banking environment.
Proven track record in business development and portfolio management.
Strong analytical and financial analysis skills.
Excellent communication and negotiation abilities.
Proficiency in loan origination systems and Microsoft Office.
United Bank of Union is an Equal Opportunity / Affinitive Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.
FDIC Member
Seniority Level Mid-Senior level
Employment Type Full-time
Job Function Finance and Sales
Industries Banking
To learn more about United Bank of Union and application process, visit http://www.ubu.bank/careers
Get notified about new Commercial Loan Officer jobs in Union, MO.
We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
#J-18808-Ljbffr