Senior Credit Officer - SBA Lending

Right By You Mortgage; Northern (KY); Hybrid; USD 110,000 - 170,000; Full time

Job summary

Fidelity Bank in Fuquay Varina, NC is seeking a Senior Credit Officer - SBA Lending to underwrite SBA loan packages and support Business Development Officers in pre-flighting opportunities.

The role requires a Bachelor's degree with extensive lending experience, including SBA loan knowledge, and a proven ability to manage credit projects and collaborate across teams.

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.

Responsibilities

• Underwrite SBA loan requests in line with policy and guidelines; document files and report mitigants.
• Collaborate with Business Development Officers, Analysts, Credit Risk Review Officers and team to achieve goals.
• Facilitate teamwork and communication to solve credit challenges.
• Support Business Development Officers in pre-flighting loan opportunities, negotiating loan terms and structuring presentations.
• Assist with management of credit projects and identifying opportunities to create efficiencies.

Skills

Verbal communication

Written communication

Interpersonal skills

Analytical ability

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

4 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