Commercial Lender - Baton Rouge Market

First Guaranty Bank•Hammond, LA

About The Position

The Commercial Lender identifies and cultivates relationships with new and existing customers by prospecting for leads and opportunities and meeting 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 Baton Rouge Market. The role serves present and potential customers seeking banking relationships, gathers and analyzes applicant and financial information, and takes relationships through the credit, deposit, and ancillary-products processes. It manages loan portfolio growth and production, deposit, and referral goals; monitors loans and portfolio risk; addresses past-due loans and loan exceptions; and cross-sells bank products and services. The position also includes outside calling, routine customer platform services, community representation, and compliance with BSA/AML and other bank policies. The work environment is usually moderately noisy. The employee is regularly required to talk and hear, frequently use hands or fingers to handle or feel objects, tools, or controls, and occasionally perform a range of standing, walking, sitting, reaching, climbing, balancing, and bending or kneeling activities. The employee must occasionally lift or move up to 25 pounds. Reasonable accommodations may be made for individuals 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.
College degree.

Responsibilities

Attend to present and potential customers seeking banking relationships, including unsecured funds or 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 the analysis of financial data.
Conduct credit checks and on-site visits.
Take banking relationships through the credit, deposit, and ancillary bank products processes.
Grow the 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 and cash management services 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 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.