United Bank & Capital Trust Company

Commercial Lender

1 month ago(12/19/2017 4:39 PM)
Job ID
# Positions





The Commercial Lender is responsible for the quality and profitability of a portfolio of complex commercial and commercial real estate loans.  The Commercial Lender interviews clients, analyzes financial information, reviews loan documents prior to closing, collects past due loans and develops new business.


  • Manages a portfolio of complex commercial and commercial real estate loans
  • Obtains and analyzes extensive pertinent financial data that may include complex data and spreadsheets of the commercial borrower and related entities
  • Makes personal visits and inspections to properties provided for collateral
  • Serves as member of the Senior Loan Committee
  • Manages delinquent or non-performing loans; manages complex negotiations to resolve troubled loan issues
  • Approves loans within established loan authority; presents loans exceeding authority to Senior Loan Committee, Directors Loan Committee and/or the Board of Directors
  • Develops new business by calling on existing clients and potential new clients; participates in the bank’s Business Development Program
  • Participates actively in civic and community organizations to promote growth and develop new business for the bank
  • Other functions and responsibilities may be added at the company’s discretion


  • Minimum of four-year business-related degree; or a level of education that together with experience and training enables the incumbent to meet the job requirements
  • Five or more years of progressively responsible experience in lending
  • Proficiency in MS Office and advanced Excel skills and experience
  • High level of interpersonal and communication skills
  • Thorough understanding of loan policies and procedures
  • Excellent analytical skills
  • Ability to prioritize and meet multiple deadlines
  • Visual acuity, with or without correction
  • Good sense of hearing, with or without correction


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