Consumer Loan Administrator

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 Consumer Loan Administrator will lead the overall management and strategic planning of the Consumer Loan portfolio within all regions of the bank. This role involves not only ensuring efficient loan origination processes but also mentoring and instructing regional consumer lenders and branch personnel with consumer lending abilities to ensure adherence to bank policies, regulatory guidelines, and excellent customer service standards. The position operates with limited credit authority.
Essential Duties and Key Responsibilities

1. Consumer Loan Production:
   
   1. Responsible for growth of individual loan portfolio and achieving loan production goals, deposit production goals, and referral goals.
   2. Manage and oversee the entire Consumer Loan origination process, from application to approval and disbursement.
   3. Collaborate with consumers to understand their financial needs, provide information about loan options, and guide them through the application process.
   4. Review loan applications and credit documentation for accuracy, completeness, and adherence to bank policies.
   5. Follow current loans to ensure complete conformity with terms and identification of developing trends.
   6. Develop and implement effective strategies for the acquisition, underwriting, and servicing of Consumer Loans to drive growth and profitability.
   7. Work with your regional group of branch associates to provide guidance and training to promote Consumer Loan growth in all assigned branch locations in your region.
   8. Work with your regional consumer lenders to provide guidance and strategic direction to ensure the overall Consumer Loan production goals and referral goals are achieved for each region.
   9. Work with your regional consumer lenders and assigned branches to approve/correct/clear/mitigate loan exceptions (financial, covenant, collateral, etc.) as needed.
2. Regional Lender Mentoring and Instruction:
   
   1. Provide guidance and mentorship to regional consumer lenders, ensuring a consistent understanding of loan products, policies, and procedures.
   2. Provide leadership to your regional team as well as the regional consumer lenders, fostering a culture of accountability, professional development, high-performance, and ethical behavior.
   3. Work closely with regional consumer lenders to share best practices and ensure a consistent approach to consumer lending across the bank.
3. Customer Service & Relationship Management:
   
   1. Address customer inquiries, concerns, and issues promptly, maintaining the bank's reputation for outstanding customer service.
   2. Identify cross-selling opportunities including deposit, digital, credit cards, cash management products, etc. and referring businesses to other internal partners.
   3. Foster positive relationships with customers by providing excellent service throughout the loan application and approval process.
   4. Establish and maintain relationships with key stakeholders, including consumers and community groups while representing First Guaranty Bank.
4. Data Analysis & Reporting:
   
   1. Collect, analyze, and interpret data related to loan production, performance, and trends.
   2. Continuously monitor and report on regional and bank performance to the Customer Experience Director by highlighting key metrics, providing insights, trends, and recommendations.
   3. Track and report on past dues in both your individual portfolio and the overall Consumer Loan portfolio for First Guaranty Bank.
   4. Monitor key lending metrics and develop action plans to achieve targets and performance goals for your team, your region and self.
5. Compliance & Regulatory Adherence:
   
   1. Manage the risk in the loan portfolio through sound underwriting standards, compliance with regulatory requirements, and proactive portfolio management.
   2. Adhere to BSA/AML policy and all other bank policies.
6. Other duties and responsibilities as assigned by your supervisor.

Minimum Qualifications (Education, Experience, Skills)

• High school diploma or equivalent, college degree preferred.
• 5 years lending experience. May substitute for related experience at management discretion.
• Formal credit training preferred.
• Strong understanding of credit underwriting principles, risk management, and regulatory compliance.
• Demonstrated leadership ability, team management, and interpersonal skills.
• Exceptional communication and negotiation skills.
• Proficiency in relevant computer applications and banking systems.
• Ability to travel as required to meet business needs.

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.
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. This document does not create an employment contract, implied or otherwise, other than an "at will" relationship.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The 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)