Commercial Lender - Lafayette Market

First Guaranty Bank•Hammond, LA

About The Position

The Commercial Lender is responsible for identifying and cultivating relationships with new and existing customers. The role prospects for new leads and opportunities and meets with companies and individuals to determine suitable loan, deposit, and cash management products. The position operates with limited credit authority and is based in the Lafayette Market. The lender manages customer relationships through credit, deposit, and ancillary product processes; grows an individual loan portfolio; and works to achieve loan production, deposit, and referral goals. The role also monitors loans and portfolio risk, addresses past-due loans and loan exceptions, cross-sells bank products, performs outside calling, provides routine platform services, and represents First Guaranty Bank in the community. The employee must follow BSA/AML and other bank policies and may be assigned additional duties. The position requires three years of lending experience, though related experience may be substituted at management discretion. Formal credit training is preferred. A high school diploma or equivalent is required, and a college degree is preferred. The work environment typically has moderate noise. The role involves regular talking and hearing, frequent use of hands or fingers, occasional standing, walking, sitting, reaching, climbing or balancing, and stooping, kneeling, crouching, or crawling. The employee may occasionally lift or move up to 25 pounds.

Requirements

Three years of lending experience; related experience may be substituted at management discretion.
Strong sales skills.
Strong organizational and communication skills.
Time management skills.
High school diploma or equivalent.
Regular ability to talk and hear; frequent use of hands or fingers to handle or feel objects, tools, or controls.
Occasional ability to stand, walk, sit, reach, climb or balance, and stoop, kneel, crouch, or crawl.
Occasionally lift or move up to 25 pounds.
Close, distance, and color vision, peripheral vision, and ability to adjust focus.

Nice To Haves

Formal credit training.
College degree.

Responsibilities

Attend to present and potential customers seeking banking relationships, including unsecured funds, mortgage-secured credit, or other banking products.
Interview applicants to understand business or consumer needs, repayment ability, and earnings and assess relationship viability.
Obtain and direct analysis of financial data, conduct credit checks, and make on-site visits.
Take banking relationships through the credit, deposit, and ancillary bank product processes.
Grow an individual loan portfolio and achieve loan production, deposit, and referral goals.
Monitor current loans for conformity with terms and identify developing trends.
Work past-due loans to keep them current.
Monitor portfolio risk ratings, work high-risk credits out of the bank, and enhance relationships with stronger credits.
Cross-sell deposit products, make cash management referrals, and refer business to internal partners.
Perform required outside calling activity and record it in the Bank’s CRM program.
Provide routine platform services, including approving checks for cashing and loan draws and addressing customer requests.
Work with customers to correct or clear loan exceptions involving financial, covenant, collateral, or other matters.
Represent First Guaranty Bank in the community.
Adhere to BSA/AML policy and all other bank policies.
Perform other duties and responsibilities as assigned by a supervisor.