Vice President - Commercial Loan Officer - SBA (HYRBID)
Company: Lead Bank
Location: Lees Summit
Posted on: June 20, 2022
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Job Description:
Classification: Exempt, Salaried
Position Type: Full-Time
Reports to: Commercial Lending Manager
Location: Lee's Summit, MO or Kansas City, MO
Summary/Objective
In accordance with established lending policies and procedures, and
under the guidance of the Commercial Lending Manager, develops an
understanding in examining, evaluating, and closing commercial
extensions of credit, including through SBA loan programs, and
community development. Responsible for assembling information
required by Lead Bank and counsel to properly close loans. Develops
customer relationships through friendly, courteous, and responsive
service. Identifies opportunities for CRA investments, donations
through community development and loans. Develops understanding of
commercial lending and general business service needs.
Essential Functions
-- In collaboration with Credit Underwriting, produce quality
credit applications/annual reviews for use by various Approval
Authorities (internal and external)
-- Obtain customer-provided information to produce consistent
financial spreads
Analyze the produced financial spreads with analysis emphasis on
all financial activities of the borrower
Create a well-written credit application/annual review that is
reader-friendly and effectively exemplifies an accurate risk
position that Lead Bank maintains with respect to the credit
facility under discussion
Analyze the credit history of applicants and determine their loan
repayment capability
Negotiate credit terms such as costs, loan repayment methods, loan
structures, covenants, and collateral specifications in accordance
with Lead Bank lending policy and procedures
Implement and maintain interest rate structure and fees to be
consistent with risk associated with customer
Review new laws and regulations that influence business lending
within the financial institution
Provide assistance and training for credit analysis and new lending
officers as needed
-- Develop new customer prospects and business for Lead Bank
-- Serve and develop current customer relationships through a
combination of personal interaction, site visits, ongoing contact,
and
use of digital tools to meets customer's needs
-- Analyze and review customer needs and build a complete financial
relationship beyond basic loan requests to include Lead Bank
relationship partners. Relationship and community development and
referral to include deposit and transactional services, digital
access, and informational technologies and business knowledge
services.
-- Utilize written, digital, and oral communication skills and
resources to relay and acquire information to and from
customers
-- Make customers aware that the lending process is not a grueling
one through a positive and customer-friendly attitude
-- Establish to customers that Lead Bank is more than willing and
able to assist them with any additional banking needs that may
be
unrelated to lending
-- Work to complete the underwriting of the application to include
the analysis of applicants' financial status, credit, and
property
evaluation to determine if loan requests meet the bank's and SBA's
lending criteria for 7(a) or Express loans.
-- Develop an understanding of bank policies and procedures as well
as SBA standards and SOP's. Reviews the loans for SBA
eligibility and verifies same.
-- Communicate with SBA lending personnel regarding the loan
request and follow up with both SBA staff and borrower to meet
information needs and to meet timelines.
-- Coordinate with the Loan Packager to ensure all SBA documents
are packaged and sent
-- Service and support SBA specific loan requirements
-- Confirm all credit applications/annual reviews with loan
committee and board of directors in order to present the
Approval
Authorities with the best, most accurate product so that they can
make an educated decision on the loan(s) under discussion
-- Provide support as needed to ensure opening and closing
procedures for properly staffed offices, and/or digital support
for
customer access.
-- Provide support for bank sponsored events to promote all bank
services
-- Identify opportunities for CRA Investments, Donations and
Community Development loans and Services.
-- Establish, participate, and maintain relationships with
community based, charitable, and non-profit organizations.
-- Maintain relevant CRA reports, policies, and files
-- Develop, coordinate, and support activities with the Bank's
current community partners as well as prospective community
partners, including traveling to meet with community partners as
necessary in order to grow revenue and increase opportunity.
-- Collaborate with senior management team providing business
partnership in strategic planning.
-- Support due diligence analysis on potential community partners,
as well as community development loans and investments
throughout the Bank's footprint; performing site visits to lending
opportunities as necessary.
-- Manage Other Related Projects as assigned, including: Real
Estate Collateral Evaluations - including site inspections and
analysis
- Non-Real Estate Collateral Evaluations - including inventory
inspections, equipment inspections, floor plan inspections
- Complete Appraisal Reviews - including follow-up with appraisers
on questions or clarification (if needed)
- Financial Covenant Monitoring / Approval
- Borrowing Base Certificate Monitoring / Approval
- Prepare Weekly, Monthly, Quarterly, and Annual Reports as
assigned
-- Understand and follow the applicable laws and regulations for
job responsibilities including but not limited to Lead Bank
Loan
Policy, Conduct Policy, Bank Secrecy Act, Information security, and
Suspicious Activity reporting requirements.
-- Perform other duties as assigned
Competencies:
-- Building relationships, both internal to the bank, as well as
with clients
-- Professional communication skills
-- Treat all client data with confidentiality
Physical Demands
-- Regular requirements:
o Sit
o View computer monitors
o Talk
o Hear
o Stand
o Walk
o Use hands to type / handle / feel
o Reach with hands & arms
-- May be required:
o Lift up to 20 lbs.
Required Education and Experience:
-- Proficiency with Microsoft Office product suite (Excel; Word;
Outlook)
-- Minimum of five years commercial lending experience
-- Minimum of three years SBA experience
-- Minimum of three years community development experience
*Lead Bank is proud to have an inclusive culture committed to
ensuring equal employment opportunity in all employment
decisions
regardless of race, color, gender, national origin, religion, age,
disability, sexual orientation, gender identity, military status,
veteran status
or any other legally protected status.
*Reasonable accommodations may be made to enable individuals with
disabilities to perform the essential functions.
* Lead Bank requires all employees to be fully vaccinated from
COVID-19. Medical and/or religious accommodations may
be requested.PI182601566
Keywords: Lead Bank, Lee's Summit , Vice President - Commercial Loan Officer - SBA (HYRBID), Executive , Lees Summit, Missouri
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