Senior Credit Officer - SBA Lending

Fidelity Bank; Northern (KY); Hybrid; USD 110,000 - 160,000; Full time

Job summary

Fidelity Bank seeks a Senior Credit Officer for SBA Lending in NC. This professional will underwrite SBA loan opportunities, prepare government submission packages, and assist the Business Development Officer with pre-flighting opportunities and presenting terms.

The role emphasizes teamwork, policy compliance, and efficient credit processing. Ideal candidates have extensive commercial lending experience, SBA loan knowledge, and strong analytical and communication skills to support risk

Qualifications

• Bachelor's degree with significant lending experience, including SBA loans.
• Ten or more years in commercial/consumer lending.
• Five+ years working with SBA loans or equivalent experience.

Responsibilities

• Underwrites SBA loan requests in accordance with Fidelity Bank's policy and government regulations.
• Pre-flights loan opportunities and assists with negotiating loan terms.
• Prepares packages for government agency submission and manages documentation.
• Supports Business Development Officers and analysts to achieve loan goals.
• Communicates effectively with risk officers and teammates to resolve credit issues.

Skills

Verbal communication

Written communication

Interpersonal skills

Analytical ability

Underwriting knowledge

SBA regulations knowledge

Education

Bachelor's degree

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Senior Credit Officer - SBA Lending

Regular Full-Time Professional Fuquay Varina, NC, US

3 days ago Requisition ID: 2735

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:

Time: Description:

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