Commercial Lender - St Tammany Market

First Guaranty Bank•Hammond, LA

About The Position

The Commercial Lender identifies and cultivates relationships with new and existing customers by prospecting for opportunities and meeting with businesses and individuals to determine suitable loan, deposit, and cash management products. The position operates with limited credit authority and is based in the St. Tammany Market. The role manages customer banking relationships through credit, deposit, and ancillary product processes; grows an individual loan portfolio; monitors and works loans and credit risks; cross-sells bank products; and represents First Guaranty Bank in the community. The employee also provides routine platform services, addresses customer requests, follows bank policies, and performs other assigned duties. The position involves regular talking and hearing, frequent use of hands and fingers, and occasional standing, walking, sitting, reaching, climbing or balancing, stooping, kneeling, crouching, or crawling. Occasional lifting or moving of up to 25 pounds is required. The work environment usually has a moderate noise level. Reasonable accommodations may be made for employees with disabilities.

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.

Nice To Haves

Formal credit training preferred.
College degree preferred.

Responsibilities

Attend to the needs of current and potential customers seeking banking relationships, including unsecured funds and credit secured by mortgages 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.
Guide banking relationships through credit, deposit, and ancillary bank product processes.
Grow the individual loan portfolio and meet loan production, deposit, and referral goals.
Monitor current loans for compliance with terms and identify developing trends.
Work past-due loans to bring 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 and record required outside calling activity 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, including financial, covenant, and collateral exceptions.
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.