Commercial Lender
SUMMARY
Magnolia State Bank has been dedicated to serving the financial needs of its local communities since 1909. With branches in Eastman, Gray, Milledgeville, and Athens, the bank has built a strong reputation for soundness, quality, leadership, and exceptional customer service. As an independent community bank under local management, Magnolia State Bank focuses on providing personalized solutions to its customers. This commitment ensures rewarding careers for employees and delivers value to shareholders while strengthening the financial well-being of the community.
We believe in providing our team members with a comprehensive benefits package to support their well-being, including competitive wages, bonus incentives, PTO, 401K matching, health insurance, dental insurance, vision insurance, and more.
ROLE DESCRIPTION
The Commercial Lender role at Magnolia State Bank is a full-time, on-site position based in Athens, GA. An effective Commercial Lender is responsible for providing an excellent experience for customers and teammates in various fields, such as operations, sales, relationship management, service, leadership, and development. These qualities promote market income through growth in loans, deposits, and other bank products.
ESSENTIAL DUTIES
•   Manage personnel activities, which may include hiring, training, personnel reviews, taking corrective action, and rewarding employees as is appropriate; Ensure a culture of accountability that includes coaching and development of a high-performing team.
•   Direct and control banking activities of branches in designated market area in conjunction with the Bank’s strategic objectives.
•   Set an example for Bank values and behaviors for all employees to follow
•   Implement bank strategies and objectives consistent with and in support of associated Bank goals and objectives for growth, net income, expense management, and financial performance.
•   Establish and manage a business development process to maintain current customer base and expand market share.
•   Engage in business development and community involvement activities to enhance public awareness of the bank and seek new business.
•   Achieve strong financial performance through disciplined management of credit quality through pricing, collection, and maintenance.
•   Originate commercial loans, commercial deposits, and consumer-related products.
•   Ensure regional branches are in compliance with established federal, state, and bank policies and procedures.
•   Assure audit compliance and procedure quality control and initiate corrective actions for violation.
QUALIFICATIONS
•   Bachelor’s degree in Business, Finance, or a related field; MBA or advanced degree is preferred.
•   5 years of experience in bank service, sales, and operations.
•   Extensive understanding of bank operation procedures, policies, products, and services.
•   Developed leadership, communication, and problem-solving skills
•   Sales proficiency, including developing and maintaining strong client relationships and identifying business growth opportunities.
•   Ability to travel, if necessary.
•   Proven skills in Commercial Lending, with the ability to structure and manage loans as well as oversee and optimize diverse client portfolios.
This description is not exhaustive and does not include all job functions, duties, skills, and standards. Management reserves the right to change this position description at any time according to business needs.
EQUAL EMPLOYMENT OPPORTUNITY STATEMENT
Magnolia State Bank is an Equal Opportunity Employer. We give consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identification, national origin, age, disability status, or any other characteristic protected by federal, state, and local law.
Banking
Finance and Sales
Full-time