SBA BDO

Job Description

Job Description

SVP / Government Guaranteed
Lender

National lending opportunity. Excluding CA, TX, and FL.

Reports To: Director of Gov Gty Lending

Department Name: Lending

The Commercial Lending Officer is responsible for maintaining, developing, and managing a commercial and SBA loan portfolio and promoting the Bank's products and services in the community. The Lender is responsible for maintaining their business relationships with current and future clients and providing world class customer service to bank clients.

POSITION QUALIFICATIONS

• Education: Bachelor's Degree in Business or a related field from an accredited 4 year institution preferred.
• Work Experience: A minimum of 5 years' experience in a financial institution sales environment preferred.

SPECIFIC KNOWLEDGE, SKILLS, ABILITIES, COMPETENCIES

• Excellent customer service and communications skills- written and verbal
• Self-starter with the ability to work independently without constant and direct supervision in a team environment.
• Experience using Microsoft Office products suite
• Ability to manage multiple concurrent objectives, projects, and activities, making effective judgments as to prioritizing tasks and time allocation.
• Strong organizational skills and time management skills.
• Must have high level analytic skills, underwriting skills, and banking knowledge.
• Must be proficient in use of Bank systems.
• Ability to keep detailed and accurate records.
• Must be able to function in a team-based environment and work collaboratively with other areas of the Bank to accomplish objectives.

WORK ENVIRONMENT

• Standing, working at computer, and sitting for long periods of time. (sitting, talking,
  hearing)
• Limited Travel 10-20% (may require driving)

Disclaimer: This list does not represent all physical demands. Descriptions are representative of those that must be met by employee to successfully perform the essential functions of this job. Reasonable accommodation may be provided to enable individuals with disabilities to perform the jobs' essential functions.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Identify and establish new referral sources through a variety of networking, sales and marketing efforts.
• Manage individual pipeline to maximize relationship between the Bank and the customer by delivering providing first class customer service.
• Collect and analyze customer financials to determine the financial condition and operating trend of the borrower as well as identify potential risk.
• Proactively enter and manage data into the Bank CRM system to maximize the customer experience by proactively.
• Guide borrowers through the loan process by obtaining all borrower required documents, providing borrowers with regulatory disclosures and provide underwriters
  with follow up items as needed.
• Manages risk through adherence to all Bank policies and procedures, demonstrating sound judgment within established limits.
• Prepare management reports monthly as needed or as requested.
• Work with borrowers to resolve questions regarding loan applications and financial information provided by the customer.
• Ensure that loan document files are complete, accurate and adhere to Bank policy.
• Partner with the team members to do the following:
• Monitor portfolio and collateral for potential deterioration in credits and act proactively
  to identify and resolve issues.
• Address exceptions, past dues, and maturities prior to or as they occur. Work to resolve any issues
• Collect SBA specific documentation to assist in gaining SBA approval
• Identify and document potential problems with a relationship or exceptions as they occur.
• Manage portfolio exceptions and resolve any past payments, past due information requests and
• Ensure compliance with all regulatory guidelines including BSA, OFAC, Fraud Prevention, Anti-Money
• Laundering regulations and any other related regulations.
• Complete all required training sessions related to these regulations.
• Perform other duties and special projects as assigned by management.

MISCELLANEOUS

Other Job Requirements

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Equal Employment Opportunity Statement of Policy

• The Bank is an Equal Opportunity Employer committed to diversity in the workplace. It is the policy of the Bank to provide equal employment and advancement opportunities to all qualified individuals. The Bank does not discriminate against any qualified employee or applicant on the basis of race, color, sex, religion, national origin, disabled or veteran status.

Intent and Function of Job Description

• Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. This job description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
• In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the Bank. Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.