Commercial Lender - St Tammany Market

About this role

• Great employees are essential to maintaining the confidence our customers place in us.
• FGB believes that our employees are our greatest asset as demonstrated in their professionalism and dedication.
• We encourage open communication and strive to cultivate an environment in which our employees will contribute new ideas and innovations that will help us excel.
• As we grow, we want YOU to join our team to help fulfill our mission of serving the banking needs in our local communities.
• Our full-time employees are eligible for amazing benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long term disability, and salary continuance (short-term disability).
• In addition, they get paid holidays, paid vacation and sick leave, a tuition reimbursement program, 401k, section 125 cafeteria plan, and the opportunity to earn FGB stock grants.
• Apply today to enjoy these benefits and more!
• **Position Summary** 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.
• This position supports the St Tammany market.
• Candidates must currently reside in or have significant professional involvement within this market.
• The ideal candidate possesses deep local market knowledge and established business relationships that can contribute to successful market expansion efforts.
• **Essential Duties and 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.
• **Minimum Qualifications (Education, Experience, Skills)** * 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.
• **Physical Demands and Work Environment** The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
• While performing the duties of this position, the employee is regularly required to talk and hear.
• The employee frequently is required to use hands or fingers, handle, or feel objects, tools or controls.
• The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl.
• The employee must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.

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