21R Senior Credit Officer - SBA
On-siteCollege Station, Texas, United States
Job Summary
Build and manage the SBA credit team responsible for underwriting, analysis, and all regulatory reporting. Improve the credit underwriting process to meet performance goals while ensuring compliance with SBA SOPs and guidelines. Establish prescreen procedures to review new loan requests and determine term sheet progression. Coach the credit team through daily interactions as credit memos are prepared for approval. Collaborate with the Portfolio Manager on annual reviews using analytics to oversee the loan portfolio. Complete required training, manage Reg B reporting, and assist with on-site and off-site regulatory reviews. Interpret and update Government Guaranteed Loan Policy as program changes occur. Maintain expert-level proficiency in SBA lending programs through active industry engagement and lead team training efforts.
Required Qualifications
- Bachelor's Degree in Accounting or Finance
- Extensive knowledge of and experience with the SBA Standard Operating Procedures with Lender Programs and Loan Servicing
- Minimum of 10 years of SBA 7a program lending/credit experience
- 7+ years dedicated to credit underwriting with increasing levels of responsibility
- Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
- Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal
- Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows
- Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution
- Working knowledge of all applicable Bank products and services
- Excellent problem-solving skills
- Detail oriented, good organizational, interpersonal, communications and writing skills
Desired Qualifications
- Advanced degree
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