AVP SBA Loan Administrative Officer

First Financial Bank•Houston, TX

1d•Onsite

About The Position

This position has extensive contact with the company's lending and loan support staff and has moderate customer contact with potential borrowing customers. The incumbent must have the ability to express his/herself in a clear and concise manner. These SBA programs include the evaluation of complex commercial loans and commitments. Additionally, the Incumbent will be responsible for the proper closing of all SBA products and monthly monitoring and reporting as required by SBA policy.

Requirements

Bachelor’s degree from a 4-year college or university; or 5 years of related experience and/or training; or the equivalent combination of education and experience.
Work related experience should consist of an in-depth background in lending or finance.
Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.
Advanced knowledge lending products and services; related state and federal laws and regulations, and other related policies and procedures.
Intermediate experience, knowledge and training in all lending activities and terminology.
Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
Excellent organizational and time management skills.
Advanced skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.
Intermediate typing skills to meet production needs of the position.
Intermediate math skills: ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, and speak clearly to customers and employees.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.

Responsibilities

Coordinate all activities required to complete a credit package with the assigned Commercial Loan Officers and Loan Assistants.
Interact with Loan Officers, borrowers or CPAs to obtain necessary financial information and complete the Credit Package.
Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
Obtain and monitor various loan portfolio reports, such as Maturing Loans, Past-Due Loans, Annual Reviews and proactively assist lenders with requisite action plans.
Ensure that the bank is in possession of current financial information and that the information has been properly analyzed and on file; ensure that proper/complete credit files are on hand.
Assure that credits are accurately risk rated and properly monitored/reported for SBA purposes.
Begin to advise Lenders on issues related to the Bank's Credit Policy and related Procedures/Forms.
As time allows, conduct annual site visits, attend loan closings and other tasks required to support assigned lenders.
Assist in servicing and reporting of the existing SBA portfolio.
Assist and package the SBA guaranty purchase request after an SBA 7a loan defaults.
Verify that the SBA 7a loans are being disbursed according to the SBA Authorization.
With time, the incumbent will be responsible for preparing comprehensive risk analyses of complex loans and commitments for SBA loan requests.