Overview

Join to apply for the SBA Sales Director role at KeyPoint Credit Union.

The SBA Sales Director leads by origination of SBA loans. This position is directly involved and responsible for the origination of high-quality SBA 7a loans. This position assists in the underwriting, processing, packaging, documenting, funding, selling on the secondary market, servicing, workout, and liquidation of a complex SBA loan portfolio.

Responsibilities

• Primary job responsibility of this position is the origination of SBA 7a loans: collects and reviews all SBA documents required for underwriting, funding and closing.
• Assists in the gathering and review of a complete SBA file. Assists in the drafting of deeds, UCC’s, guarantees, business loan agreements and membership documentation.
• Arranges loan closing and funding, including loan document execution.
• Works closely with COI’s, borrowers, brokers, vendors, escrow, title to ensure timely and efficient loan closing.
• Receives and wherever possible handles a variety of customer inquiries and service requests.
• Aggressively manages the origination of an investment grade SBA loan portfolio.
• Opens small business deposit accounts and membership accounts.

•Note: Additional knowledge and duties described include general banking policies with emphasis on SBA policies, ability to manage multiple projects, and knowledge of a complex commercial loan portfolio including SBA 7A, real estate loans, working capital lines of credit, and other commercial deposits.

• Prequalification assessment and analysis of financial condition and risk of financing request within the framework of the credit union and current economic and industry trends.
• Coordinate processing of approved loans; ensure loans are processed according to agreement, customer needs and conformity to SBA and credit union lending policies.
• Obtain sufficient information and/or documentation from customers; solve problems related to processing and servicing of loans.
• Reinforce superior customer service through personal example and appropriate follow-through with customers and employees.
• Develop and maintain knowledge of financial industry trends, rates, vendors and competition.
• Apply sound decision-making within policy limits and use as learning tools for staff development.
• Lead special projects: gather data and prepare reports for senior management audits and other personnel.
• Answer telephone inquiries and direct callers to proper credit union personnel.
• Lead lending and deposit teams in improving credit and deposit quality, production and service levels; promote new commercial loan and small business deposit activity.
• Meet service level and production goals as set by management.
• Train and manage lending and deposit staff in commercial and small business banking.
• Perform additional duties and project work assigned by the commercial banking management team.
• Ability to work with minimal supervision; high degree of skill in real estate underwriting, secondary market, lending documentation, and related terminology.
• Strong attention to detail, teamwork, professional presentation, and flexible mindset.
• Strong computer skills (MS Excel and Word, T-soft, SBA 1, Etran, and LaserPro).
• Excellent verbal and written communication skills; ability to work in a time-sensitive, multifaceted environment.

Physical Requirements: Must be capable of working a standard eight-hour shift and be able to work before/after as needed to meet deadlines and special projects. Must be capable of sitting, walking, and standing as specified; ability to lift up to 35 pounds.

Qualifications include: 7+ years’ experience in commercial and small business banking including loans and deposits; undergraduate or associate degree in finance, accounting, management, business or related field; strong SBA lending experience; advanced knowledge of commercial, construction, real estate and consumer loan processing; familiarity with lending regulations and credit union policies; strong math and analytical skills; exceptional verbal, written and interpersonal communication skills.

Seniorities and Employment

• Seniority level: Entry level
• Employment type: Full-time
• Job function: Sales and Business Development
• Industries: Banking