Commercial Lender - New Orleans Market

First Guaranty Bank•Hammond, LA

About The Position

The Commercial Lender identifies and cultivates new and existing customer relationships by prospecting for leads and opportunities and meeting with companies and individuals to determine appropriate loan, deposit, and cash management products. The position operates with limited credit authority and is based in the New Orleans Market. The role manages and grows an individual loan portfolio, supports loan and deposit production goals, monitors credit performance, and cross-sells banking products and services. The lender also provides routine customer services, resolves loan exceptions, conducts community outreach, and follows applicable bank policies, including BSA/AML requirements.

Requirements

At least 3 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 involving unsecured funds, credit secured by mortgages, or other banking products.
Interview applicants to understand business or consumer needs, repayment ability, earnings, and the viability of a banking relationship.
Obtain and direct the analysis of financial data, conduct credit checks, and make on-site visits.
Guide 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 help ensure they are kept current.
Monitor portfolio risk ratings, work high-risk credits out of the bank, and enhance relationships with stronger credits.
Cross-sell deposit products, refer cash management opportunities, and refer business to internal partners.
Perform required outside calling activity and record it in the Bank’s CRM program.
Provide routine platform services, such as approving checks for cashing and loan draws or 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.