Senior Credit Officer - SBA Lending

The Fidelity Bank; Fuquay-Varina (NC); Vor Ort; USD 110.000 - 170.000; Vollzeit

Zusammenfassung

The Fidelity Bank seeks a Senior Credit Officer to lead SBA Lending activities. You will underwrite SBA loan requests, prepare packages for government agency submissions, and support business development initiatives.

The role requires a Bachelor's degree and at least 10 years in commercial/consumer lending with SBA experience; strong communication and analytical skills; thorough SBA knowledge. You will guide credit projects and help improve processes within a collaborative team.

Qualifikationen

• Bachelor's degree required with substantial lending experience.
• Strong communication and analytical skills required.
• In-depth knowledge of underwriting and SBA regulations preferred.

Aufgaben

• Underwrites SBA loan requests in accordance with policy and government guidelines.
• Pre-flights loan opportunities with Business Development Officers.
• Negotiates loan terms and structures customer presentations.
• Manages credit projects and identifies efficiencies.
• Ensures proper loan file documentation.

Kenntnisse

Verbal communication

Written communication

Interpersonal skills

Analytical ability

SBA regulations knowledge

Ausbildung

Bachelor's degree in finance/related field

Jobbeschreibung

Summary

In accordance with established lending policies and procedures, the Senior Credit Officer of Small Business Administration Lending will underwrite and prepare packages for government agency submission. This position will assist the Business Development Officer with pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations. This position will help manage credit projects and will help with identifying opportunities to create efficiencies.

Principal Accountabilities

70% Ensures Small Business Administration loan requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures and government agency regulations and guidelines. Ensures risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported. Approves or denies requests within delegated authority. Ensures accurate and proper loan file documentation.

10% Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.

10% Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.

5% Provide support to Business Development Officers in all areas of credit. This includes pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations.

5% Assists with the management of credit projects and identifying opportunities to create efficiencies.

Basic Qualifications

Bachelor's degree with 10 years of experience in commercial and consumer lending with a minimum of 5 years working with Small Business Administration loans or an equivalent combination of education and experience.

Additional Qualifications

• Excellent verbal, written, and interpersonal communication skills.
• Strong Analytical ability.
• Knowledge and understanding of underwriting or evaluating commercial credit.
• Thorough understanding of SBA regulations and guidelines as well as other Government Guaranteed loan requirements.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.

They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

Affirmative Action/Equal Opportunity Employer