Regional Director of SBA Lending

Fifth Third Bank

3d•Remote

About The Position

Powered by Fifth Third, Provide is on a mission to financially empower small businesses with great people and innovative technology. Provide offers an unmatched combination of industry expertise, personalized service, and customized financial products – enabling entrepreneurs to achieve their ownership dreams, realize financial independence, and strengthen their communities. Founded in a one-bedroom San Francisco apartment in 2013, Provide was acquired by Fifth Third in 2021 and in 2023 was named one of Fast Company’s Most Innovative Companies. Our team is growing: Provide’s Sales team is looking for a bold, compassionate, and focused regional director of SBA lending to lead the origination and closing of government-guaranteed small business loans, sourced through their self-developed network of referral sources. In this role, you will focus on assisting customers in achieving their financial goals by providing smart financial solutions for business needs; serving as a trusted advisor by collaborating with a team of product partners utilizing the One Bank process to understand the customers’ holistic business needs; and developing revenue growth by identifying needs and providing needs-based solutions and services to the client. As a Provide and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

Requirements

Extensive knowledge of U.S. Small Business Administration loan programs
Minimum of five years of SBA sales experience
Proven ability to build new and existing client business and provide a positive client experience
Strong business acumen, including detailed analysis, review of financial statements, and understanding of basic accounting principles
Ability to assess client needs, drivers of profitability, and corporate/personal lifecycle-optimizing financial solutions
Effective problem-solving and analytical skills with the ability to handle and prioritize multiple tasks
Demonstrated strong verbal and written communication skills, specifically experience in face-to-face negotiations and group presentations
Proven ability to work in a team-based sales environment
Proficiency in all Microsoft Office software

Nice To Haves

Bachelor’s degree in finance, economics, or mathematics
Formalized basic credit training or equivalent credit risk experience
Underwriting experience

Responsibilities

Identify and develop qualified prospects for SBA loan products through centers of influence, such as business brokers, loan brokers, real estate brokers, CPAs, attorneys, and community development organizations
Work directly with applicants to assess SBA eligibility and Fifth Third credit qualifications and collect required application information and documentation
Ensure adherence to the SBA SOP and Fifth Third credit policy while keeping the customer at the center
Work with product partners to analyze, evaluate, and develop a tailored relationship strategy for each client or prospect
Attend community and/or specific industry forums, conferences, and/or meetings to broaden relationship networks and referral sources and continually deepen knowledge of trends, practices, services, and the competitive landscape
Utilize the organization’s value proposition to articulate the advantages of obtaining financing through a tech-enabled lender
Effectively retain and grow long-term profitable client relationships
Plan and conduct relationship-strategy and relationship-review meetings with product partners
Coordinate client-facing activities, including credit support and other product partners
Conduct thorough effective pre-call planning, One Bank consultative sales approach, and prompt post-call follow-up
Partner with internal stakeholders on credit requests, and adhere to established portfolio management guidelines
Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk and priced accordingly
Champion the organization’s vision and core values through personal actions and leadership influence to promote high-performing work groups
Complete administrative responsibilities in a timely manner