Credit Analyst/Senior Credit Analyst/Credit Officer - SBA

Job Description

Job DescriptionDescription:

Position Reports to: Credit Manager

Objective: Platinum Bank is looking to add personnel to our Credit team to focus on SBA underwriting. We are willing to hire flexibly within a range of experience for this opportunity.

ESSENTIAL DUTIES & RESPONSIBILITIES

SBA Credit Risk Analysis

· Completes analysis of primarily SBA loans for origination and ongoing review purposes that meets the requirements of the SBA Standard Operating Procedures.

· Ensures relationships are always appropriately risk rated and recommends risk rating changes to the Loan Officer in a timely manner.

· Stays abreast of business and industry risks trends present in the loans being underwritten.

· Fully knowledgeable of the Bank’s lending policies, procedures and can identify exceptions to policy.

· Completes work in assigned time (meets deadlines). Amount of work meets or exceeds expectations.

· Approves loan requests within the approved lending authority that complies with Loan Policy and bank credit culture.

SBA and Credit Administration:

· Orders 3rd party reports for both SBA and non-SBA loans.

· Orders and reviews 3rd party reports, such as appraisals, business valuations, collateral audits.

· Assists with maintaining the integrity of the data within the Bank’s loan management system, nCino.

Client Relationship Management

· Participates in customer calls with the Relationship Manager and engages with customers as needed. Actively endeavors to identify opportunities to maximize the client relationship.

· Assists internal partners to ensure proper service to clients.

· Stays abreast of new types of loans and other financial services and products in order to better recognize customers' needs.

Secondary Responsibilities

· Creatively think about how to originate loans faster, smarter and more efficiently using technology.

· Adapts quickly to changing circumstances.

· Prepares monthly or quarterly reports as assigned.

• Stays abreast of regulatory guidance and changes.

• Provides mentorship/guidance to other credit analysts.

Other Responsibilities

• Positive interaction with all lending staff and assists other departments when needed.

• Comply with all department and company policies, procedures, and regulations.

• Maintain the highest level of confidentiality with all information obtained.

• Perform other responsibilities as assigned.

Requirements:

QUALIFICATIONS

Education and/or Experience

· 4 year college degree or 3+ years related banking experience and/or training; or equivalent combination of education and experience preferred.

Knowledge, Skills & Abilities:

· Communicates all matters of importance to both internal and external constituents.

· Provides knowledgeable, well-articulated responses to questions received in credit committee meetings.

· Respects opinions of others.

· Strong analytical skills that can be used to solve and resolve complex financial decisions.

· Prioritize tasks and meet required deadlines.

· Strong organizational skills needed with the ability to multitask.

· Accuracy and efficiency with attention to details

· Ability to work in a fast-paced environment & under pressure as needed.

· Satisfactory skill set in the use of the following software applications: Microsoft Excel, Word, and Outlook.

Physical Demands:

While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and depth perception.

Work Environment:

The working environment is typical for an office and does not require exposure to difficult or hazardous conditions.

This Position Description reflects management’s assignment of major responsibilities, which represent the most essential functions. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. They may be subject to change at any time due to reasonable accommodation or other reasons.

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