Team Lead Jobs

About The Position

Requirements

• Minimum Education Level: 4 years- college degree
• Minimum Years of Experience: 5 years
• Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone
• Ability to respond effectively to the most sensitive inquiries or customer complaints
• Excellent analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
• Ability to communicate effectively with colleagues
• Functional PC skills and ability to learn specific programs used by the department (working knowledge of Microsoft Word and Excel)
• Ability to follow directions
• Detail oriented and ability to be precise in information inputting
• Ability to apply common sense understanding to carry out detailed but generally uninvolved written or oral instructions that may involve multiple steps
• Ability to handle routine and repetitive work in standardized situations
• Good communication skills and the ability to speak in the terms about the complex financial scenarios.

Responsibilities

• Manage a team of loan officers on their duty and function.
• Manage loan process and determine efficient work plan.
• Manage existing loan referral source and perform quality interview with applicants from the existing referral source.
• Direct and organize the employees under the team.
• Supervise and monitor staff for successful operations and proper customer service.
• Comply with the Bank’s established loan policies and procedures.
• Comply with SBA guidelines, procedures, and eligibility requirements.
• Comply with regulatory requirements including Bank Secrecy Act – Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
• Meet with customers and respond to their inquiries based on the guidelines established by the Bank and the SBA.
• Train and educate Bank personnel in changes in SBA guidelines and eligibility requirements.
• Participate in SBA & NAGGL meetings and conferences.
• Reviewing files in preparation for external, internal, OCC and SBA auditors.
• Work with LPO Managers in screening loans, obtaining documents, and complying with SBA guidelines.
• Pre-screen all customers by interviewing, reviewing credit history, compiling initial cash flows, and SBA eligibility prior to any loan commitment.
• Collect all required documents (tax returns, financial information, SBA documents, etc.) from the applicants and make sure they are within the time frame allotted by SBA.
• Verify all necessary documents required by SBA.
• Order appraisal and Phase I reports for property purchase loans (if necessary).
• Begin underwriting process once all required documents are received.
• Present the loan to the manager for approval; if the loan amount exceeds the delegated lending limit, present the loan to the Management Loan Committee for approval.
• Prepare the loan package to be submitted to the SBA (with all documents properly signed and dated) once the loan is approved.
• Properly monitor the loan and follow up when necessary once the loan process is complete and loan has been funded.
• Follow up on all required covenants such as collection of annual tax returns.
• Consistently keep in touch with referral sources to expand the opportunity for business development.
• Participate in community services to enhance the Bank’s CRA activities and to improve bank’s image.

Benefits

• bonus
• benefits