Small Business Lending Officer

6 days ago

Waterbury, United States Savings Bank of Danbury Full time
About the Organization
We are people serving people. Established in 1849, Savings Bank of Danbury is a full-service community bank rooted in history and positioned for the future. We provide a full array of deposit, savings, and lending services for individuals and businesses. Through modern banking technology, our customers can access to their accounts and manage their money anytime, on the go. We are committed to employing highly-motivated people who value customer care, professionalism, and team success.

EOE Statement
Savings Bank of Danbury is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

Position
Small Business Lending Officer

Full-Time/Part-Time
Full-Time

Description

Small Business Lending Officer

Commercial Banking

The Small Business Lending Officer position is responsible for making a valuable contribution to the bank's small business lending sales and business deposit growth. Responsible for developing new business, structuring and closing of commercial loans, both conventional and SBA, as well as maintaining and servicing a commercial loan portfolio. Represent the bank in its market area through active participation in community affairs.

Key Responsibilities:
  • Analyzes applicant's financial status, credit, and asset evaluation to determine feasibility of granting loan
  • Structure loans within loan policy and prepares financing proposals consistent with approval for presentation to the applicant
  • Maintains a positive working relationship with customers, bank staff, local professionals, centers of influence, and community organizations
  • Manage loan portfolio including renewals, modifications, updated credit analysis, collections, and portfolio monitoring
  • Originate sound SBA loans that comply with current SBA SOP requirements and Bank policy
  • Collaborate with credit analysts to prepare loan approval memorandums, including resolving underwriting and application questions with the applicant
  • Stay up to date on all SOP for SBA related products
  • Identify business deposit opportunities and coordinate appropriate internal sales introduction to manage the deposit relationship
Position Requirements

Educational and Experience requirements include:
  • Bachelor's degree in business or in a relevant field or an equivalent amount of training
  • 5-10+ years relevant experience in a sales and commercial banking role
  • Strong business development skills with a proven track record of developing and maintaining a high-quality portfolio of small business lending customers
  • Proven ability to develop quotes/proposals profitably and accurately for new opportunities
  • Above average written and oral communication skills to interact with customers, prospects, and our internal team
  • Strong customer relationship management skills
  • Demonstrated ability to generate $8-12 million in new loan growth
  • Knowledge of SBA financing (7a and 504) and proven track record of prospecting SBA clients
  • Proficient use of Word, Excel, and CRM
Physical Demands and Work Environment

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 regularly required to operate a computer and other office equipment, such as, a copy machine, calculator, phone, and computer printer.
  • Must be able to remain in a stationary position 50% of the time.
  • Is required to have close visual acuity to perform an activity such as, viewing a computer terminal and determine the accuracy, neatness, and thoroughness of work assigned to self and staff.
  • Is required to express or exchange ideas by means of the spoken word to convey detailed spoken instructions to other employees accurately.
  • Must be able to receive detailed information through oral communication.
  • The noise level in the work environment is usually low to moderate.
Job Type: Full-time

Benefits:
  • 401(k)
  • 401(k) matching
  • Dental insurance
  • Employee assistance program
  • Flexible spending account
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Vision insurance


EOE Statement

Savings Bank of Danbury is an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.

Hours Per Week
None Specified

This position is currently accepting applications.

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