Credit Management - SBA Senior Credit Approval Officer I

About the role

This position may be located in one or our banking locations in Colorado, Kansas, Missouri, Texas, Wyoming, Utah or New Mexico. It starts with our culture...

Responsibilities

• Support SBA Business Development Officers and Bankers in structuring and analyzing SBA transactions for existing and prospective clients.
• SBA Lending includes complex structures for purposes which include business acquisition, working capital, real estate acquisition and construction, debt refinance, and asset acquisition.
• Ensure the overall credit quality of the SBA Portfolio throughout the NBH footprint, through sound and diligent underwriting in multiple channels within the Bank.
• Underwrite new SBA credit requests in conjunction with internal and external regulation and compliance requirements.
• Review application documents, spread financials, analyze financial performance and metrics, identify credit risks and mitigate factors.
• Review 3rd party reports such as credit bureau data and appraisals or valuations, etc. from initial analysis, into credit analysis and closing.
• Aid in loan closing, including satisfying closing conditions of approval, documentation and equity injection reviews.

Requirements

• Bachelor’s degree in finance, Accounting, Economics or related field or equivalent combination of education and experience.
• 7+ years of relevant experience in business and/or commercial banking, preferably with SBA products.
• Capacity to work with multiple computer and software systems including Microsoft Office and web based applications.

Desired Skills

• SBA Lending knowledge, including eligibility requirements, underwriting rules and guidelines and product specifics.
• Completed formal credit training program or equivalent.
• Capacity to work with Bank centered computer and software systems, such as FIS, Moody’s CreditLens, and Capitalstream.
• Advanced knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to clients and associates.
• Ability to think logically and analyze complex business financials to perform risk assessment and research.
• Passionate and motivated self-starter with attention to detail.
• Strong work ethic and ability to complete work accurately and efficiently.
• Strong oral and written communication skills with the ability to clearly and concisely articulate message.
• Ability to handle multiple tasks simultaneously.
• Ability to work with minimal supervision while performing duties.
• Excellent organizational and time management skills.
• Work well with and through others, building and maintaining relationships with internal and external contacts.

Work Environment

In an office setting with traditional hours. Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours). Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday. Must be able to work overtime to the extent necessary.

Benefits

• Insurance
• 401k
• Associate stock purchase program
• Paid time off
• Associate banking perks