SBA Lending Officer

Pinnacle Bank • Elberton, GA

2d

About The Position

The SBA Lending Officer is responsible for:

Direct origination efforts from calling and other personal efforts and responsible for advising and assisting Pinnacle line lenders in the production of Government guaranteed loans.
Increasing bank assets by developing quality commercial loans and deposit accounts
Cross selling bank products and services to customers through telephone contacts and personal visits
Building long-term customer relationships
Maintaining a positive service mentality
Ensuring superior quality service in completing all customer transactions
Matching the financial needs that achieve those customer goals with product and service solutions
Demonstrating an accurate knowledge of SBA and the bank's products and services

The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.

Requirements

• Four year college degree, ideally a Bachelors of Business Administration in a related field (i.e. finance)
• Minimum: 2+ years of Direct SBA 7a Loan Origination or Business Banking experience.  2+ years of outside calling experience. Familiar with the current SBA SOP 50 10 7 guidelines. Good relationships with Referral Sources (COIs).
• Core Value: ~ Operate with an Innovative Edge ~ Show Leadership
• Detailed knowledge of SBA SOP for lenders and servicers: Knowledge of requirements for qualification and origination Detailed familiarity with servicing,  reporting requirements, and portfolio management Strong credit and communication  skills
• Leadership skills in order to build internal relationship to generate business.
• Strong organizational and multi-tasking skills.
• Must have a basic knowledge of the bank's products and services.
• Must have a willingness to serve.
• Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint.
• Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations).
• Project a professional image by adhering to guidelines in the employee handbook.
• Must be able to collect, research, and analyze information skillfully.
• Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment.
• Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance.
• Must be able to read credit reports and other tools necessary to accomplish position responsibilities.
• Must know how to read financial statements to include the balance sheet, profit & loss statement, and cash flow statement.
• Must be able to identify and interpret trends in financial data.
• Must have a general knowledge of Generally Accepted Accounting Principles (GAAP) to include understanding the significant differences between Audited, Complied, and Reviewed financial statements.
• Must have a clear understanding of the concepts of working capital.  How is it defined?   What are the working capital accounts?  How does the operating cycle affect these accounts?
• Must have a working knowledge of compliance guidelines for the bank and the industry.
• As a condition of employment, a completed Application of Employment and satisfactory results from a background check and drug screening must be received.

Nice To Haves

• Preferred: 5+ years of Direct SBA 7a Loan Origination or Business Banking experience.  5+ years of outside calling experience.  Strong knowledge of the current SBA SOP 50 10 7 guidelines.  Strong relationships with Referral Sources (COIs).

Responsibilities

• Direct origination efforts from calling and other personal efforts and responsible for advising and assisting Pinnacle line lenders in the production of Government guaranteed loans.
• Increasing bank assets by developing quality commercial loans and deposit accounts
• Cross selling bank products and services to customers through telephone contacts and personal visits
• Building long-term customer relationships
• Maintaining a positive service mentality
• Ensuring superior quality service in completing all customer transactions
• Matching the financial needs that achieve those customer goals with product and service solutions
• Demonstrating an accurate knowledge of SBA and the bank's products and services

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1,001-5,000 employees