SBA/Specialty Lending Director & SVP
Beach Cities Commercial Bank, Irvine, CA, United States
California's fastest growing bank is looking to hire an SBA/Specialty Lending Director with expert experience in SBA and State Guaranty loan products.
Key Responsibilities
Lead rapid growth at an SBA Preferred Lender at a Bank focused on helping small business clients.
Manage SBA Team members and recruiting staff –be a true “Player/Coach” by leading and participating in guiding loans through the pipeline from the sales, application, underwriting, closing/funding and secondary market sale processes.
Underwrite new SBA, State Guaranteed and Conventional loan products primarily 7a and 504 loans following the Bank’s lending policy and procedures, SBA guidelines and prudent lending practice.
Demonstrate expert knowledge and provide guidance on the SBA SOP when collaborating with RMs, underwriting and credit employees.
Perform financial and ratio analysis on collected financial information to evaluate financial condition/capacity of each applicant.
Review real estate appraisal, environmental studies and business valuation to analyze collateral adequacy.
Prepare a comprehensive credit memo on each loan request for presentation to proper approval authority.
Monitor and service existing loan portfolio.
Prepare and update daily, weekly and monthly administrative reports
Promote and cross sell the Bank’s services and products.
Perform other duties as assigned.
Assist the Sales Team on government guaranteed leads
Reports to Chief Credit Officer
Qualifications
5-10 years Commercial Lending with minimum of 5 years of SBA Lending experience and ideally 3to 5 years of secondary market experience
Formal credit training required and deep understanding of credit, deal structuring and SBA SOP.
Must be detail oriented and possess verbal and numeric aptitudes as well as the ability to communicate effectively with Clients, employees and others both verbally and in written communication
Extensive knowledge of government guaranteed products, credit policy, processes and procedures
Must have SBA/California State Guarantee portfolio management, servicing and document origination experience
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Key Responsibilities
Lead rapid growth at an SBA Preferred Lender at a Bank focused on helping small business clients.
Manage SBA Team members and recruiting staff –be a true “Player/Coach” by leading and participating in guiding loans through the pipeline from the sales, application, underwriting, closing/funding and secondary market sale processes.
Underwrite new SBA, State Guaranteed and Conventional loan products primarily 7a and 504 loans following the Bank’s lending policy and procedures, SBA guidelines and prudent lending practice.
Demonstrate expert knowledge and provide guidance on the SBA SOP when collaborating with RMs, underwriting and credit employees.
Perform financial and ratio analysis on collected financial information to evaluate financial condition/capacity of each applicant.
Review real estate appraisal, environmental studies and business valuation to analyze collateral adequacy.
Prepare a comprehensive credit memo on each loan request for presentation to proper approval authority.
Monitor and service existing loan portfolio.
Prepare and update daily, weekly and monthly administrative reports
Promote and cross sell the Bank’s services and products.
Perform other duties as assigned.
Assist the Sales Team on government guaranteed leads
Reports to Chief Credit Officer
Qualifications
5-10 years Commercial Lending with minimum of 5 years of SBA Lending experience and ideally 3to 5 years of secondary market experience
Formal credit training required and deep understanding of credit, deal structuring and SBA SOP.
Must be detail oriented and possess verbal and numeric aptitudes as well as the ability to communicate effectively with Clients, employees and others both verbally and in written communication
Extensive knowledge of government guaranteed products, credit policy, processes and procedures
Must have SBA/California State Guarantee portfolio management, servicing and document origination experience
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