Commercial Lender

About the role

The Commercial Lender position at FGB is responsible for identifying and cultivating customer relationships, primarily focusing on new and existing customers seeking banking relationships involving unsecured funds and/or credit secured by mortgages or other banking products.

Responsibilities

• Attend to the needs of present and potential customers seeking a banking relationship.
• Interview applicants to develop information concerning their business or consumer needs, desires, repayment ability, and earnings to determine the viability of the relationship.
• Obtain and direct the analysis of all financial data.
• Conduct credit checks and make on-site visits.
• Take the banking relationship through the credit process, deposit process, and ancillary bank products process.
• Responsible for growth of individual loan portfolio and achieving loan production goals, deposit goals, and referral goals.
• Follow current loans to ensure complete conformity with terms and identify developing trends.
• Work past due loans to ensure they are kept current.
• Enhance relationships with stronger credits and work high-risk credits out of the bank.
• Responsible for cross-selling activities including Deposit products, cash management referrals, and referring business to any other internal partners.
• Perform required outside calling activity and record it in the Bank’s CRM program.
• Provide customers with routine platform services, such as approving checks for cashing, loan draws, or addressing customer requests.
• Work with customers to correct/clear loan exceptions (financial, covenant, collateral, etc.) as needed.
• Represent First Guaranty Bank in the community.
• Adhere to BSA/AML policy and all other bank policies.
• Perform other duties and responsibilities as may be assigned by supervisor.

Requirements

• 3 years lending experience. May substitute for related experience at management discretion.
• Formal credit training preferred.
• Strong sales skills.
• Strong organizational and communication skills.
• Time Management.
• High school diploma or equivalent, college degree preferred.

Qualifications

• High school diploma or equivalent, college degree preferred.

Skills

• Strong sales skills.
• Strong organizational and communication skills.
• Time Management.

Benefits

• Medical, dental, vision, and basic life/AD&D insurance.
• Prescription drug benefits.
• Long term disability.
• Salary continuance (short-term disability).
• Paid holidays.
• Paid vacation and sick leave.
• Tuition reimbursement program.
• 401k.
• Section 125 cafeteria plan.
• The opportunity to earn FGB stock grants.

Pay

Details about pay are not specified in the job posting.

Schedule

Details about the schedule are not specified in the job posting.