Loan Officer – Remote Option Available

Estado del trabajo: regular a tiempo completo (no exento)

Resumen de trabajo

The Loan Officer facilitates all aspects of SBA 504, working closely with SBA, clients, lenders, brokers, escrow officers and third-party vendors.  The Loan Officer advises and educates the business owner on the feasibility of the project as it relates to their business.  The Loan Officer assists the business owner with the preparation of financial projections and other financial reports as needed.  The Loan Officer obtains relevant information and documentation, presents a concise credit narrative recommending the loan to SBA and monitors progress until SBA Authorization is received and a smooth transition to closing can be made.  The Loan Officer must have a proficient working knowledge of the SBA SOP, strong analytical ability, comprehension skills and utilize critical thinking and judgment on a regular basis.  They also must be able to multi-task and prioritize their decision-making responsibilities in a fast-paced competitive environment and deliver excellent customer service with minimal supervision.

Responsabilidades

  • Manage all client contact during loan processing. Request, collect, and assist with preparation of documentation including loan application, financials and interim statements and information needed to complete the credit memorandum and loan narrative.
  • Difundir y analizar finanzas y/o proyecciones de clientes y negocios afiliados para determinar la viabilidad y las proporciones, verificar los estándares de tamaño, estructurar el proyecto, determinar la capacidad y elegibilidad de la administración y otros criterios de la SBA. Con base en la información analizada, y su experiencia y juicio en préstamos comerciales, cuando corresponda, presente un escrito conciso que recomiende proyectos a la Junta Directiva de TMC y la Administración de Pequeñas Empresas para su revisión y aprobación final.
  • Coordinar con los prestamistas de terceros para el análisis y aprobación de los informes de terceros.
  • Usando la experiencia y el juicio, revise los informes ambientales y de evaluación requeridos para verificar que sean razonables y precisos para la presentación y revisión de la SBA.
  • Communicate directly with SBA to monitor the status of 504 loan applications and when needed provide additional information to complete the credit decision process. Monitor progress until authorization is received.
  • Comunique actualizaciones de estado a todas las partes involucradas en la transacción y administre de manera efectiva las expectativas y los plazos.
  • Ensure the file is complete and audit ready after independent review of applicant’s ability to pay based on an evaluation of applicant’s business’, economic performance, and projections.
  • Comunicar y transferir de manera efectiva la información y el archivo al equipo de cierre.
  • Completes No Adverse Change Certifications
  • Perform other tasks and assist on department/company projects as required.

Calificaciones

  • Bachelor’s degree in finance, accounting, or a related field; or 4–6 years of related experience; or an equivalent combination of education and experience.
  • 3–5 years of experience in commercial lending, with a focus on SBA 504 loan programs and practices.
  • Strong analytical skills.
  • Excellent time management and project management skills; must be able to track and manage details for multiple clients and projects and prioritize against daily responsibilities.
  • Must exercise independent sound judgment based upon the information obtained for recommendations to the Board of Directors and SBA.
  • Excellent attention to detail without compromising deadlines.
  • Strong people and communications skills are essential. Must be able to interact and cooperate with various personality types and work levels both internally and externally.
  • Organized, disciplined thinker with ability to work independently in fast paced, rapidly changing environment.
  • Excellent phone etiquette and customer service skills.
  • Strong written communications and email etiquette skills.
  • Proficiency in MS Office applications - Word, Excel, PowerPoint, Outlook.
  • Conocimiento práctico de bases de datos de CRM. La experiencia de Salesforce es una ventaja.

The base pay for this role starts at $100,000 annually and may vary based on geographic location, experience, and qualifications. This role is also eligible for incentive and bonus.