Regional Sales Manager Job Dallas area,Texas USA,Finance & Banking

Summary

The Regional Sales Manager is responsible for the quality and profitability of the Bank’s Small Business Administration ("SBA") loan portfolio. Assist in the development and monitoring of loan policies and procedures as it relates to SBA activities. Has an advanced working knowledge of SBA loan programs. May be asked to oversee the underwriting of conventional commercial and industrial credits, construction, or other types of credit transactions from time to time.

Ensures compliance with established Bank policies and procedures. Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws as they pertain to this position including but not limited to the following: GLBA (Gramm‑Leach‑Bliley Act), Regulation Z (Truth in Lending Act), Regulation DD (Truth in Savings Act), Regulation B (Equal Credit Opportunity Act), Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd‑Frank Act), Elder Abuse Laws, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti‑Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal) and Community Reinvestment Act.

Required

Duties

Manage budgeting, loan productions and personnel for multiple regions assigned by the Chief SBA Lending Officer

Assist the Chief SBA Lending Officer in annual budgeting and goal setting

Manage the regional/LPO budget to ensure that production goals are achieved

Develop and implement marketing activities within the budgetary constraints established by supervisor

Generate new business through prospecting, outside calling, networking and referrals

Work to foster new and expand existing customer relationships through cross‑selling products and services

Conduct site visits, meetings, and interviews with borrowers and referral sources

Identify, collect, and analyze relevant information to assess credit risk

Conduct financial and repayment analysis with a focus on cash flow to assess and identify a borrower’s repayment ability

Responsible for all phases of the process to include: lead generation and sourcing, initial analysis and submission of requested documents to underwriting and closing staff, adherence to all Bank loan policies/procedures.

Actively participate in local SBA district functions with assigned marketing area.

Maintain and apply a thorough understanding of the bank's credit policy, SBA eligibility and all necessary business practices to ensure the submission of accurate and complete loan application packages. Ensure all loans comply with regulatory requirements

Generate loans that maintain an acceptable level of performance.

Assist external departments within the Bank with any requested servicing action within assigned marketing area.

Assist with various projects and other operational duties. Work collaboratively with others to help support and achieve the overall goals of the Division

Develop and implement sales, process, pricing and credit strategies to grow a sound portfolio, develop competitive advantages, and optimize profitability of the business unit.

Respond to inquiries or refer inquiries to the appropriate department or person, and exhibiting the necessary follow through with customers and/or staff involved.

Provide supervision and support to all areas of the department where service or assistance is needed; oversee activities of assigned department personnel; open and close the department.

Monitor staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results.

Assume responsibility for special projects; gather data and prepare reports for Senior Management, audits and other personnel.

Play a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross‑trained staff.

Perform personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervise the daily activities of the department…


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