Centralized Commercial Credit Officer III (SBA) (Remote in VA, NC, SC, GA, PA, MD only!)

Atlantic Union Bank; Augusta (GA); Remote; USD 103,000 - 172,000; Full time

Job summary

A leading financial institution is seeking a Centralized Commercial Credit Officer III (SBA) to oversee loan approvals for business and commercial real estate loans. This remote position requires extensive experience in credit assessment and strong decision-making skills, with a primary goal of aligning credit decisions with corporate culture and providing timely responses to loan requests. If you have a proven track record in commercial banking and a strong understanding of SBA loan programs, this role offers an excellent career opportunity.

Benefits

Comprehensive benefits package

Incentive compensation plan

Profit sharing bonus program

Qualifications

• 7+ years’ experience in business banking/commercial banking and/or credit administration.
• 5+ years’ SBA credit exposure/knowledge.
• Prior loan approval authority preferred.

Responsibilities

• Reviews and assesses business loan requests for risk.
• Evaluates financial statements to prepare credit evaluations.
• Collaborates with credit and sales partners on loan requests.

Skills

Results oriented

Attention to detail

Interpersonal skills

Communication skills

Consultative skills

Education

Bachelor's degree in business, finance or related field

Job description

Centralized Commercial Credit Officer III (SBA) (Remote in VA, NC, SC, GA, PA, MD only!)

Job Category: Credit Administration

Requisition Number: CENTR008769

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• Posted : May 28, 2025
• Full-Time
• Remote
• Salary Range : $103,046 USD to $171,947 USD

Locations

Showing 1 location

Remote - VA
1051 East Cary Street
Richmond, VA 23219, USA

Remote - VA
1051 East Cary Street
Richmond, VA 23219, USA

Remote - NC
Central North Carolina
Greensboro, NC 27265, USA

Remote - NC
Central North Carolina
Greensboro, NC 27265, USA

Remote - SC
123 Main Street
Fort Mills, SC 29715, USA

Remote - SC
123 Main Street
Fort Mills, SC 29715, USA

Remote - GA
Cumming
Cummings, GA 30028, USA

Remote - GA
Cumming
Cummings, GA 30028, USA

The Centralized Commercial Credit Officer is responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters. Loan authority is commensurate with experience, expertise and business need. From time to time, this position may provide guidance on credits that are classified, criticized, or have been recently downgraded where a clear plan of action is required.

This position will interact closely with others in Credit Administration, as well as the revenue producing lines of business. The position’s primary goal is to make credit decisions that are consistent with the corporate credit culture and to provide timely responses on complete loan request packages.

Position Accountabilities

• Reviews and determines appropriate risk assessment of business loan requests including the appropriate level of analysis of borrower's business, management, financial condition, and operations.
• Evaluates financial statements and prepares independent written credit evaluations on the most complex business loans and relationships. Analyses will identify the key strengths and weaknesses of that particular borrower, along with the loan structure, and conclude in the approval or decline of the loan.
• Applies experience and judgment to evaluate the level of risk within a request and structure the loan terms to meet the borrower’s needs while adhering to AUB’s risk and credit policies.
• Signature loan approvals on business relationships to be determined based on experience, expertise and business need; works closely with the Centralized Credit Management for those approvals that exceed individual loan authority
• Collaborates with sales and credit partners to meet deadlines on business loan requests.
• Accountable for and manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation. Other portfolio duties include but are not limited to: timely and accurate risk rating of clients based on internal and external data; consideration and approval short term extensions and ensuring correct documentation at time of review.
• Works strategically with relationship managers on risk management issues and/or loan structure as requested or otherwise deemed necessary or appropriate.
• Works with Wholesale and Business Banking relationship managers and line management to ensure that business banking loan portfolio quality goals are met.
• May mentor less experienced Centralized Credit Officers on the evaluation of credit risk factors, loan decisions, and other credit topics. May assist with credit training and development of others.
• Reviews loan packages and provides approval concurrence for other Credit Officers as needed.
• Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance and credit training activities.

Organizational Relationship

• Reports to the Centralized Commercial Credit Team Leader

Position Qualifications

Education & Experience

• Bachelor's degree in business, finance or related field
• 7+ years’ experience in business banking/commercial banking and/or a credit administration position that included underwriting and assessment of credit requests
• 5+ years’ SBA credit exposure/knowledge/experience required
• Prior loan approval authority highly preferred.

Knowledge & Skills

• Results oriented and decisive
• Confident in knowledge and experience; able to clearly articulate loan approvals and declines
• Accuracy, and attention to detail a must.
• Ability to handle confidential information with the utmost discretion.
• Ability to work independently as well as within a team environment.
• Strong interpersonal, communication and listening skills.
• Strong consultative skills including the ability to ask critical questions to identify opportunities
• PC proficiency and experience with word processing and spreadsheet software, including the use of system and user generated formulas, macros, charts, and tables.
• Strong knowledge of loan documentation, i.e. documents needed to perfect a lien on various collateral types; documents signed by the client; identifying related risks and working with Legal as deemed appropriate
• Experience underwriting SBA 7(a) and SBA Express loans strongly preferred.
• Solid understanding of SBA SOP guidelines and SBA 7(a) program requirements, including eligibility, use of proceeds, collateral standards, and credit elsewhere tests.
• Ability to determine when SBA 7(a) or SBA Express programs are appropriate based on borrower needs and risk profile.

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits .

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

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Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.