UNIVERSAL LENDER

Gulf Coast Bank•Abbeville, LA

7h•Hybrid

About The Position

As a Universal Lender at Gulf Coast Bank, you will play a pivotal role in our lending operations, managing a wide range of loans from consumer to commercial. The ideal candidate will possess a deep understanding of various lending products, exceptional analytical skills, and a customer centric approach to delivering financial solutions.

Requirements

Bachelor's degree in finance, business, or a related field, OR equivalent experience.
Minimum of 3 years of experience in a lending role, handling both consumer and commercial loans.
Strong understanding of financial regulations and compliance requirements.
Excellent analytical and problem-solving skills.
Exceptional interpersonal and communication skills.
Ability to work independently and collaboratively in a fast-paced environment.

Responsibilities

Facilitate the origination process for consumer and commercial loans, ensuring compliance with regulatory requirements and internal policies.
Conduct thorough credit assessments and risk analysis for loan applicants, utilizing financial statements, credit reports, and other relevant information.
Interviews loan applicants, collects and analyzes financial and related data to determine the general credit worthiness of the prospect that the merits of the specific loan request.
Approves loans within a legal loan limit according to Bank policy. Usually handles complex and substantial department loans.
Build and maintain strong relationships with clients, providing personalized guidance and support throughout the loan application process.
Collects and analyzes information that reflects the current credit worthiness of customers and the current merits of existing loans.
May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, or other means.
Stay updated on the latest trends and changes in the financial industry, especially related to lending products, and communicate this knowledge effectively to clients.
Maintains an awareness of economic conditions and planned developments within his/her service area that could affect the overall profitability of the Bank.
Ensure accurate and complete documentation for all loans, adhering to legal and regulatory standards.
Reviews commercial loan procedures on a routine basis; recommends any necessary updates or revisions.
Identify opportunities for cross-selling additional financial products and services to clients based on their needs and financial goals.
Work closely with other departments, such as risk management, legal, and operations, to streamline processes and enhance overall efficiency.
Develops material for and makes loan presentations to the Loan Review Committee.
Develops new business by contacting prospects and customers.
Follows up on credit referrals from branch managers and business bankers.
Partners with branch staff and customers on preparing proper credit structure and credit packages.
Drives sales activities and fulfills customer needs by effectively leveraging on, coordinating, and organizing targeted marketing campaigns, events and new product launches.
Spends majority of time in the field, on sales appointments, generating leads to new opportunities and closing business.
Responsible for customer satisfaction and retention.
Promotes Gulf Coast Bank in the community by participating in community affairs to increase the Bank's visibility and to enhance new business opportunities, as well as bank-sponsored community events.
Develops new business by contacting prospects and customers while cross-selling bank.