Commercial Lender & Relationship Builder

First Guaranty Bancshares, Inc.; Hammond (LA); On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Medical, Dental, Vision Insurance

401k

Paid holidays

Paid vacation

Sick leave

Tuition reimbursement

Stock grants

Job summary

First Guaranty Bank is seeking a Commercial Lender in Hammond, LA to identify, cultivate, and manage customer relationships, both new and existing. You will meet with clients to tailor loan, deposit, and cash management solutions while operating with limited credit authority.

You will prospect for leads, analyze financial information, and guide the loan process from application through funding. This role emphasizes growth, portfolio performance, and community representation.

Qualifications

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

Skills

Strong sales skills

Strong organizational and沟通 skills

Time Management

3 years lending experience

Education

High school diploma or equivalent

College degree preferred

Job description

First Guaranty Bank is seeking a Commercial Lender in Hammond, LA to identify, cultivate, and manage customer relationships, both new and existing. You will meet with clients to tailor loan, deposit, and cash management solutions while operating with limited credit authority.

You will prospect for leads, analyze financial information, and guide the loan process from application through funding. This role emphasizes growth, portfolio performance, and community representation.