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SBA Credit Officer

Company: Capital Bank MD
Location: Rockville
Posted on: November 18, 2022

Job Description:

DescriptionPosition Purpose
The AVP, SBA Credit Officer has primary responsibility for managing a staff of Credit Analysts for the Bank's SBA Loan division. The role is responsible for ensuring that SBA loan originations and the credit renewal/modification/extension pipelines are managed efficiently and effectively (within agreed upon metrics) in order to provide customers and SBA/Commercial Lenders with a seamless loan process. The role is the primary escalation point for all questions and issues that are brought forward by the analyst team and for SBA/Commercial Lenders that the team supports.

Position Responsibilities


  • Provides Management and Leadership to SBA Loan Origination process and Renewal/Modification/Extension of the Bank's SBA Loan Portfolio.
  • Provides Credit Memo drafting as a primary function as well as support to the Lending Team in terms of financial and collateral spread and analysis.
  • Confirms eligibility for every SBA loan to be underwritten. Maintains a process for timely underwriting all SBA loans in accordance with the SBA SOP.
  • Assists with regularly scheduled SBA Loan Committee (SLC) meetings and is a voting member of the SLC.
  • Works closely with the SBA Credit Officer and the bank's Chief Credit Officer on the development of the SBA loan process within ABRIGO. Creates and implements proper processes and work-flow to ensure a consistent and replicable process is in place.
  • Develops and writes procedures for the SBA loan processes and work-flows.
  • Keeps on top of industry best practices and is constantly looking for, proposing, and implementing new technology to enable better internal customer service and accuracy.
  • Provides quality service to internal managers through personal and business financial statement analysis utilizing internal and external technology and resources relative to SBA based lending proposals.
  • Interacts with management and board committees relative to overall credit risk assessments and analysis.
  • Attends customer meetings, calls and participates in conference calls when appropriate to obtain a better understanding of the nature of the business and the purpose of the credit request.
  • Ensures all risk ratings are appropriate and updated as needed.
  • Works with SBA, as well as, internal and external auditors/reviewers to ensure adherence to policies, procedures and regulations.
  • Manages performance of the SBA credit analyst team and conducts performance reviews within the processes of the Bank.
  • Identifies ongoing training needs of the team and works with the VP, SBA Senior Credit Officer to create strategies to correct deficiencies as needed.
  • Mentors and coaches analysts within the team to help develop their skills.
  • Works with the analysts to solve complex credit issues and ensure that the final work product is in line with the Bank's expectations.
  • Participates on miscellaneous special projects or assignments as required


    Minimum Education & Experience

    • 5+ years' experience commercial underwriting and analysis in SBA, CRE & C&I.
    • Thorough knowledge of the SBA SOP's covering SBA Lender and Development Company Loan Programs and Servicing and Liquidation
    • Proven experience managing a loan pipeline and work-flow.
    • Previous team lead/supervisory experience.
    • Ability to coach, mentor, develop and lead a team of experienced loan analysts.


      Technical Knowledge and Skills

      • Microsoft office software suite (Word, Excel, PowerPoint).
      • Statement Analyzer (within ABRIGO) or similar financial statement analysis software experience.
      • Excellent oral and written communication skills.
      • Highly analytical in nature.
      • Ability to multi-task and deliver accurate results within established service level timeframes.


        Other
        Ability to travel as needed.

        Compliance
        It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.

        The above mentioned are intended to describe the general nature and level of work performed rather than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties may be changed at anytime at management's discretion. The job description is not intended to create contractual obligations of any kind.

        Capital Bank, N.A. is an Affirmative Action and Equal Opportunity Employer

        Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

        The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Keywords: Capital Bank MD, Rockville , SBA Credit Officer, Other , Rockville, Maryland

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