The SBA Team Leader plans and implements the Bank’s SBA lending and marketing programs targeted toward the business community, and examines, evaluates, and recommends the approval of customer applications for SBA loans.
Essential Job Functions
Generates new SBA lending opportunities consistent with the bank’s client acquisition and pricing strategies.
Provides support to grow the SBA portfolio consistent with the Bank’s strategy and financial targets.
It includes, but is not limited to, the initial review of incoming packages within the team for compliance with SBA guidelines and the Bank’s credit standards; management of processing, underwriting, closing, and covenant monitoring; and portfolio management.
Ensures that members of the Bank who participate in any aspect of SBA are regularly informed and updated on the SOP and information relevant to the production and success of the program.
Responsible for the quality of SBA loan packages submitted to Credit, serves as the primary intermediary between Lending and Credit, and works collaboratively with Credit to provide solutions to challenges.
Responsible for the quality of the customer experience and the timely funding of SBA loans.
Responsible for audits related to SBA loans.
Monitor quarterly SBA PARRiS report to ensure Bank’s ratings are appropriate for the Bank’s risk profile.
Maintains the safety and soundness of the SBA loan portfolio which includes, but is not limited to, the monitoring of loans with past due payments and taking the appropriate actions to protect the guaranty.
Actively strive to increase customers’ deposit business within the Bank.
Other responsibilities as assigned.
Supervisory Responsibility
Manages and directs staff’s workflow.
Leads the assessment and training of staff members which includes, but is not limited to, making recommendations on hiring, termination, advancement, promotion, or any other employment status changes of direct reports.
Knowledge:
Advanced level of work experience, knowledge and training in all SBA loan servicing activities and terminology, including SBA Standard Operating Procedures (SOP).
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial of data.
Knowledge of packaging, originating, and underwriting SBA loans.
Advanced knowledge of related state and federal banking compliance regulations, and other Bank lending policies.
The ability to:
Communicate information and ideas in speaking so others will understand.
Apply general rules to specific problems to produce answers that make sense.
Listen to and understand information and ideas presented through spoken words and sentences.
Qualifications/Requirements
Bachelor Degree/Master’s Degree or equivalent.
10+ years of commercial real estate and SBA loans.
10+ years of business development and/or supervisory experience.
Proficient commercial credit writing experience.
Consecutive Absence Requirements
The incumbent of this position must satisfy a 10-day consecutive absence requirement on an annual basis.
Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally required to:
stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk to hear.
The employee must occasionally lift and/or move up to 25 pounds.
While performing the duties of this job, the employee is not exposed to weather conditions.
The noise level in the work environment is usually moderate.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.
Duties, responsibilities and activities may change at any time with or without notice.