Commercial Lender

About the role

The Commercial Lender position is responsible for identifying and cultivating customer relationships, prospecting for new leads, and meeting with companies/individuals to determine the best loan, deposit, and cash management products to meet their needs. The position operates with limited credit authority.

Responsibilities

• Attend to the needs of present and potential customers seeking a banking relationship involving unsecured funds and/or credit secured by mortgages or other banking products.
• 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.
• Opportunity to earn FGB stock grants.

Pay

N/A

Schedule

N/A