Commercial Lender

Join to apply for the Commercial Lender role at First Guaranty Bank
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Great employees are essential to maintaining the confidence our customers place in us. First Guaranty Bank believes that our employees are our greatest asset, demonstrated through professionalism and dedication. We encourage open communication and strive to cultivate an environment where employees contribute new ideas and innovations that 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 benefits including medical, dental, vision, and basic life/AD&D insurance, prescription drug benefits, long‑term disability, and short‑term disability. They receive paid holidays, paid vacation, sick leave, a tuition reimbursement program, 401(k), a section 125 cafeteria plan, and the opportunity to earn FGB stock grants.

The Commercial Lender position is responsible for identifying and cultivating customer relationships (new and existing). The role accomplishes this through prospecting for new leads, meeting with companies/individuals to determine the best loan, deposit, and cash‑management products for their needs, and operating with limited credit authority.

• Attend to the needs of present and potential customers seeking banking relationships 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, 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, deposit, and referral goals.
• Follow current loans to ensure complete conformity with terms and identify developing trends.
• Work past‑due loans to keep them current and stay abreast of portfolio risk ratings.
• Enhance relationships with stronger credits and work high‑risk credits out of the bank.
• Responsible for cross‑selling activities including deposit products, cash management referrals, and referring business to 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.

• 3 years of lending experience (may substitute for related experience at management discretion).
• Formal credit training preferred.
• Strong sales skills.
• Strong organizational and communication skills.
• Time‑management ability.
• High school diploma or equivalent; college degree preferred.

The physical demands described 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. The employee must talk and hear, use hands or fingers, handle or feel objects, stand, walk, sit, reach with hands and arms, climb or balance, kneel, crouch, or crawl, and occasionally lift and move up to 25 pounds.

Vision requirements include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The noise level is usually moderate.

FIRST GUARANTY BANK is an EEO employer – M/F/Vets/Disabled

• Mid‑Senior level

• Full‑time

• Finance and Sales

• Banking