Credit Management - SBA Senior Credit Approval Officer

SBA Senior Credit Approval Officer

This position may be located in one of our banking locations in Colorado, Kansas, Missouri, Texas, Wyoming, Utah or New Mexico.

It starts with our culture...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner.

Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.

This type of position is ideal for someone looking to build a career in finance. We will provide you training and coaching throughout your onboarding experience, as well as on the job. As you demonstrate success, there will be opportunities for advancement within our organization.

As an SBA Senior Credit Approval Officer, you will support SBA Business Development Officers and Bankers in structuring and analyzing SBA transactions for existing and prospective clients. SBA Lending includes complex structures for purposes which include business acquisition, working capital, real estate acquisition and construction, debt refinance, and asset acquisition.

Ensure the overall credit quality of the SBA Portfolio throughout the NBH footprint, through sound and diligent underwriting in multiple channels within the Bank. Facilities to include SBA Express, 7a Small Loans, 7a Standard Loans, 504 transactions, CAPLine and other SBA Products.

Underwrite new SBA credit requests in conjunction with internal and external regulation and compliance requirements. These include but are not limited to: NBH Credit Policy and Underwriting Guidelines, NBH SBA Credit Policy and Underwriting Guidelines, SBA SOP (Origination Manual), SBA SOP (Servicing Manual), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Federal and State laws related to safety and soundness, consumer protections and privacy, etc.

You will have responsibility for reviewing application documents, spreading financials, analysis of financial performance and metrics, identifying credit risks and mitigating factors and reviewing 3rd party reports such as credit bureau data and appraisals or valuations, etc. from initial analysis, into credit analysis and closing. You will assist in loan closing, including satisfying closing conditions of approval, documentation and equity injection reviews.

Minimum Requirements:

• Bachelor's degree in finance, Accounting, Economics or related field or possess equivalent combination of education and experience.
• 7+ years of relevant experience in business and/or commercial banking, preferably with SBA products.
• Capacity to work with multiple computer and software systems including Microsoft Office and web based applications.

Desired Skills: Ideal candidates for this position should possess some or all of the following skills:

• SBA Lending knowledge, including eligibility requirements, underwriting rules and guidelines and product specifics.
• Completed formal credit training program or equivalent.
• Capacity to work with Bank centered computer and software systems, such as FIS, Moody's Credit Lens, and Capitalstream.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Advanced knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, clients, and members of the general public.
• Proficient with MS Office applications including Outlook, Word, Excel, and PowerPoint.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to clients and associates.
• Ability to deal with normal…