Commercial Lender

First Guaranty Bank•Bossier City, LA

12d•Onsite

About The Position

The Commercial Lender position is responsible for the identification and cultivation of customer relationships (new and existing). The position accomplishes this by prospecting for new leads and opportunities and meeting with the companies/individuals to determine the best loan, deposit, and cash management products to meet their needs. The position operates with limited credit authority.

Requirements

3 years lending experience. May substitute for related experience at management discretion.
Strong sales skills
Strong organizational and communication skills
Time Management
High school diploma or equivalent

Nice To Haves

Formal credit training preferred.
college degree preferred.

Responsibilities

Attend to the needs of present and potential customers seeking a banking relationship that may involve 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 identification of developing trends.
Work past due loans to ensure they are kept current.
Stay abreast of portfolios risk ratings, work high risk credits out of the bank, enhance relationships with stronger credits.
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.
Other duties and responsibilities as may be assigned by supervisor.