The SBA Loan Specialist will facilitate SBA transactions in support of Relationship Managers and provide education on the benefits of SBA lending. Responsibilities for this position include deploying SBA programs as well as creating strategies to originate SBA loans in the marketplace in concert with Relationship Managers and Small Business Department managers. Activities include presenting the company's loan capabilities and structuring SBA loan proposals.
Essential Functions- Provides SBA education and resources to Relationship Managers on an ongoing basis to ensure widespread knowledge of the SBA programs and attributes available by providing periodic group presentations, one-on-one consultations, reference and marketing materials and an intranet site.
- Implements client specific SBA communication plans to establish and maintain excellent client relationships and identify client needs.
- Responsible for marketing SBA products/services to identified clients/referrals at the direction of department managers including preparing for joint client meetings and follow-up as necessary.
- Generates eligibility determinations, structures transactions and solicits requisite application documents for SBA loans.
- Assists Relationship Managers by selecting and helping implement SBA lending programs as appropriate based on the needs of the client.
- Works with relationship managers to help ensure an integrated and seamless approach to servicing the client.
- Participates in client relationship planning as it relates to SBA lending.
- Manages and assists with the management of SBA loan projects as needed by Relationship Managers.
- Keeps abreast of new products, methods/techniques, key industry trends, conditions and changes in laws and regulatory policies.
- Ensures an effective working relationship with other Bank personnel as required to perform client support and sales functions.
- Takes a leadership role in community affairs and activities where warranted for effective business development and community exposure.
- Maintains proficiency regarding current Bank and Divisional policies and procedures.
- Perform compliance and risk management duties as required or assigned
Qualifications- 5 + years of dedicated SBA experience, including proven competence with large, complex SBA loan projects.
- Knowledge of SBA Standard Operating Procedures.
- Must have a thorough understanding of SBA policies and structure, product knowledge, and financial analysis.
- Knowledge of government regulations surrounding SBA lending.
- Complete working knowledge of government, conventional, custom, and self-employed borrower loans. Preferred experience with SBA loan programs; however, SBA experience can be supplemented with experience in a closely related field.
- Proven analytical skills; ability to review and interpret complex data (determining risk, assessing complexity of accounts, etc).
- Excellent written and verbal communication skills; ability to analyze, synthesize and articulate complex ideas and communicate such to colleagues, team members, and clients
- Excellent interpersonal skills; ability to collaborate with and work effectively with diverse groups of people, managing conflict, negotiating for results and developing working relationships with potential and current clients
- High degree of PC based technical skills, including proficiency with the Microsoft Suite of products
- Ability to function efficiently and effectively with multiple request and projects under deadlines and stress while maintaining a professional and mature demeanor.
- Interpersonal skills necessary to gather data from a number of sources and to positively represent the Bank during such contacts.
- Ability to work well with people with diversified personalities.
- Comprehension of investor, insurer, regulatory, and the Bank's requirements, and the ability to develop a subjective analysis of the borrower.
Compensation: $66,850 - $100,276
The compensation range represents the low and high end of the base compensation range for this position in Eastern, Washington and Idaho. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. This position is eligible to participate in an applicable incentive plan.
- Candidates in the Western, Washington area can anticipate a salary range of $93,591 - $140,386
What Our Culture Can Offer You:
Our benefit philosophy is to provide you with a comprehensive package to secure your overall wellness and help you become and remain a fulfilled and productive employee. Our benefits include Health, Financial, Retirement and Work/Life Benefits. We are proud to share an overview of our benefits HERE as part of your total compensation.
