Louisiana Market Lender

Summary of Duties:Louisiana Market Lenders are charged with developing safe pro�table banking relationships with clientele living, owning property, or owning a business in PNB's Louisiana Market Area of Tangipahoa and Washington Parish. They are responsible for the total relationship of the customer. This may involve real estate, consumer and retail commercial loans as well as assisting with deposit relationships. The lender must be a self-starter, capable of managing time and work�ow, loan portfolio oversite and subordinates.*Applicants should note that PNB is seeking a skill set that is knowledgeable of the lending and decision-making process, a technological capacity to generate their own required digital documentation AND a personality and connection to the Louisiana Market that can create signi�cant Loan and Deposit Growth in those areas.* ** *Additional, upgraded or re-stated responsibilities include the following:* ** 1. Teamwork and Cooperation-- Every position of employment with Pike National Bank begins with an attitude and effort of Teamwork and Cooperation. Each employee must work in a cordial and professional manner and exhibit a willingness to work with and help their co-workers. They must be prepared to handle assigned tasks or duties that are not included in the following when designated by Senior Bank Management. 2. Lending Experience-- The Individual should have at least 10 years of experience as a Lender. Ideally, this experience will have been within a �nancial institution environment (ex. bank, �nance company, or credit union). 3. Louisiana Market Connection-- While not a disqualifying factor, ideally, Individuals serving in this role should have at a minimum of 10 years within PNB's current Louisiana Markets of either Tangipahoa or Washington Parish. Regardless, Individuals seeking this position MUST have existing and sustained ties to these Areas. The Individual MUST be able to express a deep ingrained knowledge of these communities. The knowledge should include information regarding market conditions, community leadership, banking opportunities, property values and other core information related to properly serving the area. 4. Community Involvement-- The Individual MUST be committed to serving and participating in area community events, civic organizations, school systems, festivals and other local activities that will expose them to potential bank market growth opportunities. ```{=html} ``` 5. Business Development-- The Individual Must recognize that, while other obligations and duties may be set by Senior Bank Management, the primary responsibility of this position is to generate new safe and sound loan volume along with deposit relationships within Tangipahoa and Washington Parishes. 6. Technological Skills-- While full pro�ciency is not a requirement, the Individual MUST have a reasonable working knowledge of navigating through a Core system to retrieve customer and other necessary data to efficiently handle their job duties. A reasonable working knowledge of Microsoft Word, Excel and Outlook is required. ```{=html} ``` 7. Documentation Knowledge, Organization and Preparation-- The Individual MUST have a working knowledge of commonly used Lending Documentation requirements for adherence to Louisiana law. They must have a reasonable capacity or expected capacity to Organize and Prepare all Documentation through the Bank's lending software. The Individual may at times be required to produce, distribute and close all documents required for loans they produce. 8. Complex and/or Commercial Loan Applications-- Individuals, designated as Louisiana Market Lender, should have more lending experience than those in PNB's Consumer Lender (Core) position. As such, they should be quali�ed to handle more complex loan requests and loans of larger sizes. Efforts should be made to handle all loan requests of any type directly. 9. Financial Spreads / Reviews-- For most loan requests, the Louisiana Market Lender should be able to calculate the applicable Debt-to-Income or Debt Service Coverage Ratios. They should also be able to recognize other repayment capacity strengths and / or weaknesses. For borrowers with operating or trade cycle activities that include swings in accounts receivable, inventory, and/or accounts payable, the �nancial data should be provided to a designated Financial Spreading Specialist. 10. Loan Assistant Oversite-- The Individual may be responsible for training and managing Loan Assistants with input from the Chief Credit Officer. Where necessary, they must report any personnel matters to the Chief Credit Officer or other Senior Bank Management (when applicable). 11. Loan Policy / Procedures Recommendations-- Knowledge and consideration of all Loan Policies and Procedures should be given. Suggestions should be presented to the Chief Credit Officer.

Created: 2025-10-17