SBA Loan Officer - St.George

Mountain America Credit Union•Off-site Utah, UT

About The Position

The SBA Loan Officer I collects, reviews, evaluates, structures, and originates SBA loan requests and supporting documentation. The role meets with applicants to explain credit policies and obtain loan information, serves borrowers and prospective borrowers promptly and professionally, provides general credit union information, cross-sells services, and works to originate quality loans. The position is responsible for business development and marketing existing and prospective accounts and reports to the AVP SBA Sales. The role solicits and develops business, takes applications, processes preliminary loan documentation, evaluates creditworthiness, and prepares or supports credit proposals with recommendations on pricing, terms, and structure. It works alongside lending support teams to ensure approved loans are originated, provides members with information about products and services, and prioritizes prompt resolution of member questions and requests. Duties also include property inspections as needed, possible assistance with delinquent-account collections, reporting, committee participation, and ongoing training.

Requirements

Two years of commercial lending/sales or related sales experience.
Knowledge of commercial products and services.
Bachelor’s degree in business, finance, or a related field from an accredited university, or two years in a progressive lending position.
Must qualify for access to SBA systems and not be listed on SAM search or SBA debarment lists.
Advanced skills with Microsoft Office Suite, including Outlook, Word, and Excel.
Ability to clearly express ideas, methodology, results, and recommendations verbally and in writing, including through reports and graphic illustrations.
Ability to document outcomes and present information appropriately for key stakeholders and all organizational levels.
Ability and desire to make solicitation calls in person and by phone.
Ability to analyze financial statements and determine cash flow, liquidity, debt-to-worth, and trends.
Self-motivation, self-management, strong organizational skills, attention to detail, and appropriate follow-through across multiple projects and deadlines.
Understanding of NCUA and credit union guidelines for commercial loans and general understanding of SBA eligibility under SBA Standard Operating Procedures.
Ability to gather and understand tax returns, interim financials, personal financials, and collateral information; understanding of real estate filings, lien position, and collateral issues in loan closings.
Ability to minimize Credit Union risk, maximize borrowing potential, and maintain MACU’s professional reputation.
Presentation skills for Credit Committee and underwriting skills to analyze repayment ability, cash flow, trends, liquidity, leverage, collateral, management, and credit.
Ability to work autonomously and collaboratively in a fast-paced environment, adapt positively to changed circumstances, take initiative, solve problems, and suggest process improvements.
Ability to sit, talk, and hear consistently; stand, walk, and use hands to handle or reach occasionally.
Close vision and distance vision.
Ability to lift up to 10 pounds occasionally.

Nice To Haves

Demonstrated experience with a loan origination system is preferred.

Responsibilities

Solicit and develop new business; take applications and process preliminary documentation for loan requests.
Explain loan products and credit criteria to members, and make retention and development calls to existing and prospective members for loans and deposits.
Generate loan originations consistent with the entry-level threshold of the MACU SBA team and comparative mid-market levels.
Evaluate credit data, cash flow, financial statements, and collateral to determine applicant creditworthiness.
Educate members about credit union products and services and communicate clear reasons for loan denials promptly.
Present and help prepare credit proposals, including recommendations for pricing, terms, and structure, for approving authorities.
Work with lending support teams to maintain work quality and operational efficiency and ensure approved loans are originated.
Resolve members’ requests and questions promptly and prioritize member satisfaction.
Conduct property inspections as necessary and may assist with collecting delinquent accounts.
Complete pipeline, incentive, and related reports and records accurately and promptly.
Attend and participate in sales and loan committee meetings as required.
Attend assigned training sessions and stay current on procedures and policies.
Establish and maintain professional business relationships with members, third parties, and trade professionals.
Develop sales abilities to identify SBA real estate sales opportunities for the Credit Union.
Perform other duties as assigned.