Dynamic Commercial Lender Driving Growth

First Guaranty Bancshares, Inc.; Baton Rouge (LA); On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Long-term disability

Short-term disability (salary continu"

Job summary

First Guaranty Bank in Baton Rouge seeks a Commercial Lender to identify and cultivate customer relationships, prospect for new leads, and tailor loan, deposit, and cash management solutions for businesses and individuals. The role operates with limited credit authority and targets loan and deposit growth within the Baton Rouge market.

The candidate should have 3 years lending experience with strong sales, organizational, and communication skills.

Qualifications

• 3 years lending experience. May substitute for related experience at management discretion.
• Formal credit training 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 portfolio 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

Organizational skills

Communication skills

Time management

Education

High school diploma or equivalent

College degree preferred

Job description

First Guaranty Bank in Baton Rouge seeks a Commercial Lender to identify and cultivate customer relationships, prospect for new leads, and tailor loan, deposit, and cash management solutions for businesses and individuals. The role operates with limited credit authority and targets loan and deposit growth within the Baton Rouge market.

The candidate should have 3 years lending experience with strong sales, organizational, and communication skills.