JOB PURPOSE:Responsible for loan requests and decisions involving a variety of small business customers. Bankers will ensure quality relationships with each SBA/USDA bank clients. The term "Quality" refers to credit strength, profitable business, compliance with all SBA/USDA requirements, and customer satisfaction. Bankers will also assist loan operations with administration of the non-guaranteed portion as needed.
ESSENTIAL FUNCTIONS:- Promotes and enhances image of First Federal in all business activities within our markets.
- Prospects for new business customers and develops new relationships.
- Analyzes the credit history of applicants and determines their loan repayment capabilities.
- Negotiates credit terms, such as costs, loan repayment methods and collateral specifications.
- Evaluates potential customer loan requests and makes loan recommendations to management.
- Reviews new laws and regulations that influence business lending within the financial institution; makes recommendations to management when necessary.
- Develops new small business customer prospects for the financial institution.
- Will be responsible for quality loan growth.
- Responsible for presenting a positive image of the SBA/USDA program and the bank in the communities we serve.
- Has extensive knowledge in SBA/USDA lending.
- Source qualified customers for the program. Receive SBA/USDA applications and all of the supporting documents.
- Conduct initial and periodic site visits of the various branch offices and speak at seminars with potential customers.
- Conduct background checks of the business and guarantors using various resources sufficient to make determination of the applicant's character.
- Produce overall results of financial analysis.
- Complete narrative of credit, character, and quality analysis.
- This position may manage other lenders or assistants.
- Has demonstrated the ability to have lending authority and has been granted such authority by the board.
- Assists manager in product development and service delivery to ensure superior customer satisfaction and bank profitability.
- Assists manager in meeting the requests of the bank's most profitable customers.
- Serve as relationship manager to all new and inherited business customers.
- Possess the capability to implement/install the bank's computer software systems that will enhance customer's relationship.
- Serve as a business "consultant" with no managerial liability.
- Verify accuracy of closing documents prior to execution, including conformance with approval.
- Learn other government guaranteed commercial lending programs and become the bank expert.
- In addition to the above duties, at the direction of management the banker may be asked to identify potential banks in their market and surrounding markets for SBA Works, a division of First Federal Bank, to solicit lender service provider contracts.
- Provides the best service to our customers with innovative and creative solutions.
JOB REQUIREMENTS:- Bachelor's degree in business finance, or related field or 10 years banking experience and 10 years in SBA/USDA experience.
- Financial sales capability.
- Good communication, public relations skills, computer and research skills.
- Ability to deal with time constraints and strong attention to detail.
- Extended hours sitting and performing computer tasks may be required.
- Employees confirm they are able to perform the essential functions of this position to continue employment with First Federal Bank.
Bilingual candidates encouraged to apply
