This position must possess the technical skills needed to originate, underwrite and document a sizable portion of SBA loans while ensuring SBA eligibility, regulations and underwriting guidelines are followed. Proficiency in business development is required as this position will be expected to actively solicit new loan relationships within the constraints of the Bank's loan policy. Generally, a candidate for this position will have functioned as an SBA Lender, Commercial Loan Officer or Credit Officer for a period of at least five years.
Primary Duties:- Develop new business utilizing SBA programs. Promote the bank and make meaningful connections to deepen relationships in the market.
- Develop relationships with COI's and commercial banking teams in order to source SBA loans.
- Works with commercial banking teams throughout the region and attends meetings with major prospects and clients, as requested.
- Responsible for reviewing, documenting, closing and disbursing complex commercial or commercial real estate for SBA 7(a) loans in conjunction with other SBA personnel and the commercial banking team.
- Maintain a high standard of credit quality for SBA loans through the credit approval process.
- Spend time with other Bell Bank peers to develop healthy crossroads and partnerships.
- Stay up-to-date on local SBA market trends and the competitive landscape.
- Assist in the analysis of financial and related data to determine SBA program eligibility, the general creditworthiness of the prospect and the merits of the specific loan request.
- Establish and negotiate, where necessary, terms under which the credit could be structured, including the costs, repayment methods and collateral requirements.
- Assist in the preparation of the Loan Committee Presentation and required supporting documentation. This package must be prepared in accordance with the standards established in the loan policy.
- Provide guidance to the SBA Packager and commercial lending assistant in preparation of loan documentation.
- Assist in presenting to the Loan Committee for review and approval of all loans.
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
- Know, understand, and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Job Skills Required:- B.A. in accounting, finance, business administration, or related field.
- Five or more years of credit, banking or examining experience.
- Five or more years of previous SBA lending experience.
- Prior Working knowledge of loan documentation.
- Above-average written and communication skills.
- Proficiency with computer technology.
- Ability to deal with multiple tasks and deadlines.
- Effective time management and organizational skills.
