COMMERCIAL LENDER

FIRST BANK MCCOMB MISSISSIPPI•McComb, MS

3d•Onsite

About The Position

The Commercial Lender is responsible for developing, managing, and growing profitable commercial banking relationships by originating quality commercial loans, generating core deposits, and delivering exceptional customer service. This position serves as a trusted financial advisor to business customers while maintaining a safe and sound loan portfolio and supporting the Bank's strategic growth objectives.

Requirements

Bachelor's degree in Business, Finance, Accounting, Economics or a related field preferred.
Equivalent banking experience may be substituted.
Minimum five (5) years of commercial lending experience preferred for experienced lender positions.
Financial analysis
Relationship management
Sales and business development
Communication and interpersonal skills
Organization and time management
Professionalism, confidentiality, and sound judgment

Responsibilities

Develop new commercial banking relationships through active calling efforts, networking, referrals, and community involvement.
Expand existing customer relationships by identifying lending, deposit, treasury management, and other banking opportunities.
Maintain an active calling program focused on existing customers and qualified prospects.
Maintain a healthy pipeline of prospective loan and deposit opportunities and provide updates to management as requested.
Serve as the primary relationship manager for assigned commercial customers.
Develop long-term relationships built on responsiveness, trust, and sound financial advice.
Coordinate customer needs across all areas of the Bank.
Deliver superior customer experience through timely communication and proactive service.
Retain and deepen existing customer relationships.
Develop quality commercial loan opportunities.
Analyze borrower financial information and prepare complete credit requests.
Present loan requests for approval in accordance with Bank policy.
Meet annual production goals established by management while maintaining sound credit quality.
Analyze financial statements, tax returns, cash flow, and repayment capacity.
Prepare accurate and complete credit presentations.
Obtain required financial information and supporting documentation.
Monitor covenant compliance and financial reporting requirements.
Work closely with Credit Administration throughout the lending process.
Maintain an assigned commercial loan portfolio.
Complete annual financial reviews and portfolio maintenance timely.
Monitor customer financial performance and repayment trends.
Maintain appropriate risk ratings.
Identify emerging credit concerns early and communicate with Credit Administration.
Manage past due loans and overdrafts within assigned portfolio.
Maintain regular customer contact through business visits and relationship reviews.
Generate core operating deposit relationships.
Identify treasury management opportunities.
Partner with Treasury Management personnel to deliver solutions.
Promote full banking relationships.
Comply with all Bank policies and regulatory requirements.
Maintain strict customer confidentiality.
Complete all required regulatory and Bank training.
Exercise sound judgment within assigned lending authority.
Promote safe and sound banking practices.
Represent First Bank professionally within the community.
Participate in civic organizations and business associations.
Support community events and develop referral networks.
Complete all required regulatory training.
Participate in lending schools and continuing education.
Remain current on industry trends and Bank products.
Achieve annual loan production goals established by management.
Generate meaningful core deposit growth from commercial relationships.
Maintain an active business development pipeline.
Complete annual portfolio reviews on time.
Maintain acceptable portfolio quality and delinquency standards.
Deliver exceptional customer service.
Collaborate effectively with Credit Administration, Loan Operations, Treasury Management, Retail Banking, and other departments.