Vice President SBA Credit Manager
Vice President SBA Credit Manager
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Job Description
Job Details
About the Position:
As the Vice President SBA Credit Manager you will provide general monitoring activities administrative support and oversight to the banks SBA 7(a) loan portfolio in an effort to prudently manage ongoing risk. You will work closely with the Vice President Senior Credit Officer in determining the credit underwriting standards policies and procedures implemented in determining the acceptable credit standards of potential SBA borrowers. You will also be responsible for oversight and guidance to the SBA Loan Underwriting team. In addition you may have lending authority at the discretion of the approval of the Vice President Senior Credit Officer and President of the bank.
What You Will Do:
- Assignment of eligible loan opportunities that are ready for SBA loan underwriting
- Serve as the first point of contact for the SBA loan underwriting team with satisfying all requirements of the Bank or the SBA
- Answer questions and evaluate loans for proper structuring in order to maximize repayment
- Assist BDOs with prescreening of new loan opportunities for SBA eligibility to receive government guaranteed financing
- Review credit proposals prior to submission to the Senior Credit Officer SBA to verify that they are presented in concise consistent organized fashion and fully supported with proper justification
- Monitor and report on loan approval times and potential bottlenecks
- Complete annual performance evaluations of the SBA loan underwriting team
- Maintain current knowledge of SBA SOP and interpretations
- Decision SBA loans within an approved lending authority
- Willingness to discuss and provide input with the Senior Credit Officer SBA on complex and unusual situations that may arise with individual loans
- Assist in preparing for periodic portfolio reviews conducted by regulatory agencies loan review and internal audit
- Prepare draft responses to audits reviews and regulatory exam reports as requested
- Maintain open lines of communications with the BDOs members of the SBA closing process and all areas of the SBA operations functions
- Participate in various management and functional area teams to improve the processes of the SBA function and the bank in general
- Review various management reports as directed
- May be requested to collect spread analyze and evaluate financial and related data to determine credit worthiness of prospective or existing borrowers to assist the SBA underwriting team if needed
- Perform other duties as assigned
What Were Looking For:
- Minimum of seven years of relevant SBA lending portfolio management and/or commercial credit experience required or minimum five years of SBA underwriting experience within a fastpaced SBA 7(a) lending program.
- Proven experience in leading training or providing guidance to junior professionals in a fastpaced work environment
- Full knowledge of current SBA SOP.
- Ability to understand and analyze complex transactions.
- Ability to understand and analyze both historic and projected financial statements.
- Capability of working effectively under limited supervision.
- Ability to have complex conversations with potential business owners about prospective deals to reach consensus and conclusion.
- Ability to communicate across all levels of the organization and persuade as needed.
- Good organizational skills.
- Thorough understanding of financial statement preparation and content.
- Strong PC Internet and administrative skills.
- Ability to work in a team environment.
- Ability to work in a fastpaced environment that may require occasional work beyond normal working hours.
- Excellent written and verbal communication skills.
Working Conditions/Demands:
- Professional office setting.
- Primarily sedentary position requiring long periods of time working at a computer.
- Must be able to move throughout the office and buildings to obtain or relay information.
- Must be able to perform the essential functions of the position with or without reasonable accommodation.
Who Are We
Were not just another bank and were not looking for just another employee. Since 1999 First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes we really were the first statecharted FDIC insured bank to operate entirely online and we have been leading the way ever since.
We seek the game changers the innovatorsthose who challenge the status quo because change really is the only constant. Ready to join a team of imaginative driven individuals like you Its your career you deserve to imagine more. Keep reading we think you will like you what see
Why Join Us
Our success has been driven in part by four core competencies customer focus teamwork adaptability and initiative. Collectively they define our actions and are at the heart of all we do. As a result weve been fortunate to have been named numerous times as an Indianapolis Star Top Workplace and one of the Best Banks to Work For! Headquartered in downtown Fishers our newlybuilt stateofart 175000 square foot facility headquarters was designed with our team in mind and features an 18000 square foot open air deck named The Backyard with fire pits covered pergola waterfall and foliage to create a momentary escape from the work day. Beyond that the onsite fitness center with the latest equipment and ergonomicallydesigned workstations help promote health and wellness. Have we mentioned free snacks soft drinks and beer available on tap Want more How about a flexible work schedule unlimited volunteer time off and social events to bring us all together to have some more. Why just imagine more take the first step and apply today.
Our benefits package includes the following and so much more:
- Medical Dental Vision Insurance
- 401(k) Retirement Plan with Generous Match
- Professional Development Reimbursement
- 3 Weeks Paid Vacation Plus Paid Holidays
- Paid Volunteer Time
- Business Apparel Allowance
Equal Opportunity Employer Women Minorities Veterans and Individuals with Disabilities
If you are a California resident you may be entitled to certain rights regarding your personal information. Additional information about our data collection practices and location specific notices is available on our privacy policy. Click here to read more.
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 601.35(c). Click here to read more.
Required Experience:
Chief
Employment Type
Unclear
