SUMMARY The Senior SBA Note Department Officers primary responsibility is proactively managing all functions of the SBA Note Department, boarding loans, processing payments, deferrals, ACH payments, GL reconciliation, insurance, and taxes, in compliance and adherence with SBA SOP, state and federal laws and regulations, as well as Bank lending policies and procedures; Understand the SBA loan system and how it affects SBA reporting and Bank GLs.
Assumes responsibility for various department functions as necessary or in the absences of staff members.
Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
Some direct customer contact and cross-training for other positions within the SBA Department is to be expected.
ESSENTIAL DUTIES Upholds, at all times, the Banks Core Values of: Integrity, Respect, Positive Attitude, Empowerment, Accountability and Excellence.
Delivers on the Banks tagline of Your Best Banking Experience Ever by reinforcing the application of superior customer service through own example along with appropriate follow through with involved customers and employees.
Manages, supervises, and motivates a strong team.
Responsible for overseeing the boarding of SBA loan types, loan maintenance on bank systems, ACH payments, reconciles non-posted items, and SBA participation loans and other SBA transactions.
Prepare complex USDA and 1502 reporting and remittances.
Responsible for becoming the SBA Note Department resident expert for the PCFS, Loan Manager application within 12 to 18 months.
Responsible for tracking all loan collection expenses, vendor fees, and other professional fees.
Responsible for reconciliation of GL accounts, billing issues/discrepancies.
Ensures ticklers are properly documented and maintained.
Assists Loan Officers, lending support staff, and other Bank personnel in resolving inquiries or issues relating to loan servicing.
Processes, solves, and answers complex customer transactions, problems, or inquiries.
Answers telephones, answer questions and directs callers to proper Bank personnel.
Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees.
Assumes responsibility for and delegates special projects as necessary; gathers data and prepares reports for Senior Management, audits, and other personnel.
Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
Develops and maintains a working knowledge of banking laws and SBA regulations by reading various publications and circulars; attends seminars and meetings with peers.
Other duties as assigned.
SUPERVISORY RESPONSIBILITY The position of Senior SBA Note Department Officer is responsible for the supervision of 3 or more employee(s).
MENTAL DEMANDS This position must be able to accommodate reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.
MINIMUM REQUIREMENTS Bachelors degree (BA) or equivalent from an acceptable 4 YEAR college or university; or at least 5 YEARS of BANKING experience and/or training; or the equivalent combination of education and experience.
Work related experience should consist of a financial analyzing or credit review background.
Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be business or financial industry related.
Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas and intermediate experience, knowledge and training in all lending activities and terminology.
Advanced knowledge of commercial, construction, real estate and consumer loan products, processing and advanced knowledge of related state and federal lending and compliance laws and regulations, and other Bank lending policies.
Advanced knowledge of title policies and related loan regulations such as RESPA, HMDA, and other Bank lending policies on loans to directors.
Basic knowledge of branch operation procedures, Bank products and services and can read, analyze, and interpret general business periodicals, professional journals, and technical procedures.
Excellent organizational and time management skills with basic skills in computer terminal and personal computer operation; host computer system; word processing, spreadsheet, and specialty software programs with intermediate typing skills to meet production needs of the position.
Intermediate math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions, and decimals; locate routine mathematical errors; compute rate, ratio, and percent, including the drafting and interpretation of bar graphs.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence, and procedures, speak clearly to customers and employees.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations and work with minimal supervision while performing duties.
Current drivers license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Must be able to sit for long periods of time, operate a computer, and telephone.
This position requires writing, typing, speaking, listening, lifting (up to 50 pounds), driving, carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Management reserves the right to change this position description at any time according to business needs.