Market President / Commercial Lender - Athens
SUMMARY
Magnolia State Bank has been dedicated to serving the financial needs of its local communities since 1909. With branches in Eastman, Gray, Milledgeville, Athens, and surrounding areas, 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 Market President & Commercial Lender role at Magnolia State Bank is a full-time, on-site position based in Athens, GA. Responsibilities include managing and growing commercial lending portfolios, developing and maintaining strong relationships with clients, identifying new business opportunities, and ensuring regulatory compliance. Daily responsibilities will also encompass providing financial and portfolio management solutions, leading sales initiatives, and contributing to the overall strategic goals of the bank while delivering high-quality service to clients.
ESSENTIAL DUTIES
• Execute plans to manage business development productivity, improve portfolio quality, and meet financial targets.
• Establish and maintain marketing objectives of the area serviced.
• Provide financial advice and counsel on investments to potential and existing customers.
• Identify and pursue potential sources of business and strategies for retention.
• Call on customers to develop new business and cross-sell services.
• Engage in business development and community involvement activities to enhance public awareness of the bank and seek new business.
• Manage client relationships.
• Prepare loan documentation.
• Manage loan portfolio and ensure credit quality of the portfolio.
• Set pricing and terms for loan products sold.
• Evaluate loan requests and customer financial condition.
• Approve or decline credit requests within approved lending limits, submit requests to Loan Committee for approval.
• Assist in collections efforts as needed.
• Provide operational and managerial support to the lending team.
• Supervise employees, including through developing performance standards and objectives, measuring results, taking corrective action, and rewarding employees as is appropriate.
• 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.
SECONDARY DUTIES
The position of Market President / Commercial Lender performs duties specific to the position and other functions as assigned.
SUPERVISORY DUTIES
The position of Market President is responsible for the supervision of up to 10 employees.
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.