VP Business & SBA Lending

VP Business & SBA Lending

The Vice President of Business & SBA Lending provides strategic and operational leadership for the Credit Union's Business and Small Business Administration (SBA) lending programs. This role is responsible for driving sustainable loan growth, managing portfolio quality, ensuring regulatory compliance, and expanding the Credit Union's presence as a trusted financial partner to small businesses within its field of membership.

The VP oversees all aspects of Member Business Lending (MBL), including SBA programs, credit administration, staff leadership, and community engagement, while aligning lending initiatives with organizational strategy, risk appetite, and financial performance objectives.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Strategic Leadership & Program Development.

a. Develop and execute the Credit Union's Business and SBA Lending strategy to drive portfolio growth, profitability, and service excellence.

b. Lead the expansion of MBL offerings, including commercial real estate, equipment financing, lines of credit, and deposit-related business solutions.

c. Manage and grow SBA lending programs, including SBA 7(a), while working toward or maintaining SBA Preferred Lender status.

d. Collaborate with senior leadership to establish lending goals, performance metrics, and reporting for senior management and the Board.

e. Maintain expert knowledge of SBA loan products, SOP requirements, and evolving regulatory expectations.

2. Portfolio & Risk Management

a. Oversee underwriting, structuring, approval, and documentation of business loan requests in accordance with policy and sound credit practices.

b. Monitor portfolio performance metrics including delinquency, charge-offs, concentrations, and risk ratings.

c. Ensure full compliance with NCUA regulations, SBA guidelines, internal policy, and secondary market requirements.

d. Partner with Credit Administration and Risk teams to maintain strong loan quality and minimize losses.

e. Oversee business credit card programs, including limits, approvals, portfolio performance, and marketing strategies.

6. Member & Community Engagement

a. Serve as the primary ambassador for the Credit Union's business lending solutions.

b. Build strong relationships with business members, referral sources, economic development partners, and community organizations.

c. Provide financial education and outreach to enhance the Credit Union's reputation as a trusted business advisor.

d. Identify opportunities to expand the Credit Union's business lending footprint and market presence in the communities UCCU serves.

7. Team Leadership & Development

a. Recruit, develop, and lead a high-performing business lending team, including loan officers, underwriters, and support staff.

b. Foster a culture of accountability, collaboration, service excellence, and professional growth.

c. Provide coaching and guidance on complex loan structuring, SBA requirements, and relationship management.

d. Maintain regular communication, feedback, and performance management with team members.

e. Works a regular and predictable schedule.

f. Must be sufficiently fluent in English to process work and business transactions.

PERFORMANCE MEASUREMENTS

1. Department functions are effectively and efficiently completed in accordance with established Credit Union policies, procedures, standards, and related program and legal requirements. Safe and sound lending practices are maintained.

2. Achievement of annual business loan growth and profitability goals are met.

3. Department policies and procedures are regularly reviewed and modified as needed. Appropriate Departmental and employee goals are formulated and achieved.

4. Loan documents, account records, and related files are complete, accurate, and timely.

5. Department personnel are well trained, effective, efficiently utilized, and well supervised.

6. Professional business relations exist with members and external business contacts. Questions and problems are promptly and courteously resolved.

7. Effective working relations exist with Credit Union personnel and management.

8. Portfolio quality metrics met including delinquency rates, net charge-off ratio, loan concentrations, and compliance exceptions

QUALIFICATIONS

EDUCATION/CERTIFICATION: Bachelor's degree in business, finance, or related field; or equivalent work experience required.

REQUIRED KNOWLEDGE

& SKILLS: Strong knowledge of NCUA regulations, MBL requirements, and SBA Standard operating procedures (SOP's). Advanced credit analysis, loan structuring, and risk assessment skills. Effective leadership, communication, and relationship management abilities. Strategic thinker with strong analytical and decision-making skills.

EXPERIENCE REQUIRED:Minimum of 5 years of progressive experience in commercial or business lending, including SBA lending programs. Proven track record in portfolio growth, risk management, and loan program development. Prior experience managing teams and lending operations

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

TALKING: One must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.

REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers.

AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or

operate machinery.

PHYSICAL STRENGTH: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.

(Almost all office jobs.)

WORKING CONDITIONS

NONE: No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY: Ability to apply logical or scientific thinking to define problems, collect data, establish

facts, and draw conclusions.

Able to interpret a variety of technical instructions and can deal with multiple variables.

MATHEMATICS ABILITY: Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage.

Able to perform very simple algebra.

LANGUAGE ABILITY: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, other business

publication and materials.

Ability to prepare business letters, proposals, summaries, and reports using prescribed

format and conforming to all rules of punctuation, grammar, diction, and style.

Ability to conduct training, communicate at panel discussions and to make professional

presentations.

Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.