Senior Credit Officer - SBA Lending

Fidelity Bank • Fuquay-Varina, NC

16h

About The Position

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.

Requirements

• 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.
• 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

• 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.
• Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.
• Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.
• Provide support to Business Development Officers in all areas of credit. This includes pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations.
• Assists with the management of credit projects and identifying opportunities to create efficiencies.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior