AVP, SBA and USDA Lending Officer

4 weeks ago

St Petersburg, United States The Ladders Full time
Position Summary

The Assistant Vice President Lending Officer is responsible for developing, soliciting and promoting new SBA loans independently by working and maintaining relationships with outside and inside referral partners. The incumbent will develop a plan to generate new loan applications, prepare credit analyses, present credit requests to executive management, monitor payment records and maintain a working relationship with current and potential borrowers.

Duties and Responsibilities

The Essential functions include, but are not limited to the following:
  • Direct calling on referrals from inside and outside bank partners in a direct effort to develop new loan business
  • Meet production related goals on new loans
  • Ability to read, analyze, and interpret financial statements and legal documents
  • Ability to screen out non-target deals early and efficiently
  • Collect necessary information from loan applicants for loan requests to be understood and properly underwritten
  • Respond to the credit department's questions pertaining to the underwriting process to determine the credit worthiness of loan applicants
  • Effectively present information to top management.
  • Work with customers throughout the application and closing process
  • Establish strong referral network and relationships with commercial real estate brokers, loan brokers, CPAs and other referral sources to solicit new SBA loan leads.
  • Maintain working knowledge of lending related legal and regulatory compliance issues
  • Participate in regular sales and marketing meetings and events to promote the bank's products and services
Non-Essential Duties include:
  • Management assigned functions to provide reasonable accommodations to enable individual with disabilities to perform minimum essential functions.
The preceding functions have been provided as examples of the types of work performed by employees assigned to this job classification. Management reserves the right to add, modify, change or rescind work assignments and to make reasonable accommodations as needed

Education and Certifications
  • Undergraduate degree (B.A.) in Finance, Business or related field (preferred).
Experience and Knowledge Requirement
  • The ideal candidate must have a minimum 2-5 years senior commercial underwriting experience preferred
  • 3+ years in SBA lending environment preferred
  • Promote a positive work environment.
  • Must be detailed oriented with good problem-solving skills.
  • Good organizational skills
  • Ability to work in a fast-paced environment where changes to procedures are common
  • Excellent verbal communication and negotiation skills
  • Ability to communicate in a respectful and assertive manner
  • Ability to multi-task and prioritize while speaking with customers
  • Proven decision-making ability
  • Proficient in MS Windows/Outlook
  • Ability to input and interpret data
  • Ability to work flexible schedules as customers are located in all U.S. Time Zones, include Hawaii.

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