Now Offering 7a Fixed Rate SBA and LOC Loans/ Brokers Paid

Originate business for the bank suitable for asset generation in franchise, this includes Small Business Administration, Express, 504 and USDA loans. Gather applications, perform financial analysis of required cash flow, and present the package within credit policy requirements. Directly interact with and manage client relationships

Responsibilities

Essential Functions

1. Generates new franchise loans suitable for Small Business Administration (SBA), Express, 504 and USDA loans from small business clients in accordance with established annual goals and objectives. Originate new business through paid and non-paid referrals and face to face contacts.
2. Identifies main client groups and audiences, determine the best way to communicate information to them, and develop and implement a communication plan.
3. Manages client relationship on originated loans through the closing. Make periodic site visits to clients within defined market region to assist Portfolio Management Group and to provide compliance with Annual Review Documentation from borrowers. Cross sell bank services to existing loan relationships and manage relationships.
4. Prescreens loans with knowledge of SBA and USDA for proper structure, conformity, and eligibility with respect to the applicable loan program. Follow up on any exceptions or account matters.
5. Gathers complete underwriting packages, and present for acceptance Commitment Letter with clients. Assist team with obtaining from clients all necessary documentation needed to close the transaction.
6. Originates loans and provide resources for bank’s Community Reinvestment Act (CRA) assessment area.
7. Assists with CRA related activities in the assigned assessment area by working with the Community Reinvestment Act Manager and establishing a presence within the community.
8. Provide sand enhances the marketing and branding of the bank locally.
9. Works with Small Business Lending division on all loan submissions, presentations and qualification matters. Manage client relationship and expectations of new accounts by taking loan applications, attending closings and providing customer service. Work with borrower/applicant to facilitate convert loan opportunities. Act as primary liaison with the client and handle any issues/problems promptly. Maintain and build open communication for the duration of the loan cycle. Participate in presentation of loans to Loan Committee.
10. Participates in community and business functions/groups to provide a positive image for the bank within the region’s marketplace. Establish referral contacts within the community. Maintain strong working relationships with referral contacts. Educate clients of advantages and create brand recognition in the market. Attend local SBA functions to establish Banks presence and cultivate CDC relationships.
11. Performs other duties as assigned.

Qualifications

Education/Experience Requirements

• Undergraduate degree in a related field or an equivalent combination of training and experience.
• Five years Marketing, sales, and business development, with two years Finance/Lending experience.

Preferred Requirements

• Demonstrated prior business success in Small Business Administration Lending/Sales.
• Excellent verbal, written, and interpersonal communication skills.
• Team player able to work effectively in a team fostered, multi-tasking environment.
• Proficient in Microsoft Office suite, e.g. Excel, Word, Outlook.
• Strong working knowledge of financial analysis including cash flow, balance sheet, financial ration, industry analysis, audit, etc.