SBA Loan Underwriting Manager

Small Business Group is looking for a dynamic underwriting manager who has strong lending experience analyzing small business applicants with particular attention to healthcare professionals. This position will be a working leader involved in supporting loan requests with a dedicated team of experienced small business underwriters.

• Evaluates the quality of retail credit applications, resolves customer, branch, or dealer complaints or problems to turn declines into lending opportunities, processes retail loan documents, and assists branch lenders in selling products and services to originate a profitable loan portfolio and protect the Bank from loss.
• Participates in the selection and hiring of underwriters and servicers, determines and distributes work assignments, assists in completing annual evaluations of the underwriting staff, and makes final decisions on all loans outside the lending authority limits of junior staff as requested.
• Develops a portfolio of retail loans by analyzing applications and credit reports and obtaining approval for loans that are underwritten within established lending limits that meet or exceed the Bank’s credit quality, profitability, growth, and service objectives without compromising quality according to established guidelines and procedures.
• Measures profitability of portfolio by an acceptable delinquency ratio, net charge-off, and growth goals.
• Acts as a primary credit decision entity for retail loans in the department and provides leadership and guidance to developing underwriters. Assists department manager in the training of new products, employees, and services.
• Assists management in establishing workflows and queuing strategies to maximize efficiencies and productivity levels.
• Demonstrates personal and interpersonal behavior, attitude, judgment, communication, and initiative with customers and employees to ensure best-in-class loan fulfillment.
• Resolves customer, branch, or dealer complaints or problems by investigating the complaint which includes obtaining facts, documenting information, and proposing solutions that comply with government regulations and are by established policies and procedures timely and courteously to ensure an equitable settlement of the complaint or problem.
• Actively looks for opportunities to cross-sell other bank products, specifically other credit products, and looks for potential upsell opportunities to meet customer banking needs and contribute to the Bank’s profit objectives.
• Performs other related duties and projects as assigned.
• All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing, and monitoring the risks they encounter daily as required by risk management.

Requirements

• Excellent management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Excellent customer service skills
• Ability to use a personal computer and job-related software
• MS Word - Basic Level
• MS Excel - Intermediate Level
• MS PowerPoint - Basic Level
• Experience in lending related position.

Benefits

401(k)

401(k) matching

Dental insurance

Employee assistance program

Employee discount

Flexible schedule

Flexible spending account

Health insurance

Health savings account

Life insurance

Paid time off

Parental leave

Professional development assistance

Referral program

Relocation assistance

Retirement plan

Tuition reimbursement

Vision insurance