SBA Lender

As an SBA Lender, you will be responsible for originating, underwriting, and closing SBA loans in accordance with the organization's policies and procedures. You will collaborate with small business owners to understand their financial needs and provide them with expert guidance throughout the loan application process. Additionally, you will cultivate and maintain strong relationships with borrowers, referral partners, and other stakeholders to drive business growth and ensure customer satisfaction.

RESPONSIBILITIES

• Seeks out opportunities to promote SBA lending through industry contacts and informal networks. Increases the Bank’s visibility as an SBA Preferred Lender through community outreach and public speaking opportunities.
• Development of SBA referral partners through business development efforts, and industry & trade associations, while maintaining awareness of SBA program changes.
• Interview loan applicants and collect and analyze financial data to determine the general creditworthiness of the prospect and the merits of the specific loan request. Make presentations to the loan committee for further advice on approval.  
• Monitor loan repayment activities and take necessary action to collect past-due accounts.
• Establish and maintain a quality SBA portfolio within guidelines by adhering to the SBA and bank credit process and exercising sound judgment when booking new business.
• Responsible for the flow of SBA loans throughout the application and approval phase of credit, this includes all processing channels. Directs the closing of loans and oversees the servicing of the loan to ensure the bank complies with all legal, regulatory, and SBA requirements.
• Develops and maintains relationships with commercial bankers throughout to assist them in the identification and initiation of sales opportunities to customers by providing access to the full range of SBA loan products and services.
• Coordinate and present SBA seminars and/or customers to continually promote the knowledge and use of SBA loan programs and their benefits to both the bank and borrower.
• Effectively use bank systems and other technology to the fullest extent of their capabilities to include lead tracking, opportunities, file notes, underwriting, processing, closings, and servicing workflows.
• Loss prevention and security as applicable for this position.
• Maintain a working knowledge of all legal and regulatory compliance issues as they pertain to this position. 
• Perform other duties as necessary for the efficient operations of the department and organization.
• Complete required training.

 REQUIREMENTS

• Occasionally lift and/or move up to 10 lbs. 
• Ability to understand and follow instructions in English.
• Ability to sit for extended periods, twist, bend, sit, walk use hands to twist, handle or feel objects, tools, or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk, or hear.
• Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus.



 QUALIFICATIONS

• A bachelor’s degree from a four-year college or university is preferred but will consider commensurate experience.
• Minimum of 5 years of commercial lending experience. SBA experience preferred.
• Exceptional business development, relationship building, and negotiation skills.
• Excellent oral and written communication skills.
• Flexible and able to multi-task. Proven ability to work in a fast-paced environment.
• Excellent organizational, time-management, and problem-solving skills.
• Strong computer skills.