Accounting/Finance, Business Banking (Sm. Business, Comm. Banker)
4 Year Degree
The Commercial Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures.
Analyze loan markets to develop new prospects for loans
Maintain positive, professional relationships with customers and continue communication for growth of portfolio.
Analyze applicant’s financial status, credit and property evaluation to determine feasibility of loan request
Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered
Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships.
Ensures loan closing and funding activities occur timely
Identify complex situations, review related information to evaluate and develop an acceptable solution
Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies
Bachelor’s degree required, preferably in business, finance or another related field
Minimum of two (2) years of related Commercial Lending working experience required
Must have formal credit analysis training and working experience in applying
Proficiency in Microsoft Office Products is required
Demonstrated ability to grow and management customer relationships
Ability to organize and analyze complex financial data
Knowledge and understanding of all federal and state regulations regarding lending and related departments.
Excellent analytical and mathematical skills and ability to make a credit decision
Excellent verbal and written communication skills
Demonstrated high level of professionalism and maturity
Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development
Current NMLS ID# highly desired or ability to obtain is required
If more than 3 years of Commercial Lending experience, Officer status will be reflective of years of related experience and credit skills.
Travel is required
About United Bank
With over 175 years of experience, United Bank is one of the region’s premier banks with locations in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. A subsidiary of United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, we are a full service financial institution with over $19 billion in assets.
At United Bank, our people are our greatest asset. Our company is a perfect fit for hard-working, driven individuals as we provide a culture that is entrepreneurial, efficient, relationship-based and service-oriented. United is proud of our record of growth and our commitment to service - not only to our customers, but also to the communities in which we live and work.
United encourages our employees to become involved in the community and in professional activities, and we provide continued training and other support to help all employees achieve their full potential.