Commercial Lender
Company: First Guaranty Bank
Location: Garland
Posted on: May 22, 2023
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Job Description:
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 SummaryThe 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.Essential
Duties and ResponsibilitiesAttend 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.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
skillsStrong organizational and communication skillsTime
ManagementHigh school diploma or equivalent, college degree
preferred.Physical Demands and Work EnvironmentThe 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.This job description in no way states or
implies that these are the only duties to be performed by the
employee(s) incumbent in this position. Employees will be required
to follow any other job-related instructions and to perform any
other job-related duties requested by any person authorized to give
instructions or assignments.All duties and responsibilities are
essential functions and requirements and are subject to possible
modification to reasonably accommodate individuals with
disabilities. To perform this job successfully, the incumbents will
possess the skills aptitudes and abilities to perform each duty
proficiently. Some requirements may exclude individuals who pose a
direct threat or significant risk to the health or safety of
themselves or others. The requirements listed in this document are
the minimum levels of knowledge, skills or abilities.FIRST GUARANTY
BANK is an EEO employer - M/F/Vets/DisabledEqual Opportunity
Employer/Protected Veterans/Individuals with DisabilitiesThe
contractor will not discharge or in any other manner discriminate
against employees or applicants because they have inquired about,
discussed, or disclosed their own pay or the pay of another
employee or applicant. However, employees who have access to the
compensation information of other employees or applicants as a part
of their essential job functions cannot disclose the pay of other
employees or applicants to individuals who do not otherwise have
access to compensation information, unless the disclosure is (a) in
response to a formal complaint or charge, (b) in furtherance of an
investigation, proceeding, hearing, or action, including an
investigation conducted by the employer, or (c) consistent with the
contractor's legal duty to furnish information. 41 CFR
60-1.35(c)
Keywords: First Guaranty Bank, Garland , Commercial Lender, Other , Garland, Texas
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