Credit Management - SBA Senior Credit Approval Officer

Overview

THIS POSITION MAY BE LOCATED IN ONE OF OUR BANKING LOCATIONS IN COLORADO, KANSAS, MISSOURI, TEXAS, WYOMING, UTAH OR NEW MEXICO. This position supports SBA Business Development Officers and Bankers in structuring and analyzing SBA transactions for existing and prospective clients. SBA Lending includes complex structures for purposes such as business acquisition, working capital, real estate acquisition and construction, debt refinance, and asset acquisition.

• Underwrite new SBA credit requests in accordance with internal and external regulation and compliance requirements, including NBH Credit Policy and Underwriting Guidelines, NBH SBA policies, SBA SOPs, BSA, OFAC, and applicable Federal and State laws related to safety, soundness, consumer protections, and privacy.
• Review application documents, spread financials, analyze financial performance and metrics, identify credit risks and mitigating factors, and review third-party reports such as credit bureau data and appraisals from initial analysis through credit analysis and closing.
• Assist in loan closing, including satisfying closing conditions of approval, documentation, and equity injection reviews.

• Bachelor’s degree in finance, accounting, economics, or related field, or 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.

• Knowledge of SBA lending, including eligibility requirements, underwriting rules and guidelines, and product specifics.
• Completed formal credit training program or equivalent.
• Ability to work with bank-centered computer and software systems (e.g., FIS, Moody’s Credit Lens, Capitalstream).
• Ability to read, analyze, and interpret general business periodicals, professional journals, and technical procedures.
• Advanced knowledge of state and federal loan regulations and bank lending policies.
• Effective presentation and communication skills with groups of managers, clients, and the public.
• Proficiency with MS Office (Outlook, Word, Excel, PowerPoint).
• Strong mathematical skills for calculating interest, commissions, proportions, and percentages; ability to balance accounts and interpret data visualizations.
• Ability to understand and analyze complex business financials for risk assessment and research.
• Strong work ethic, attention to detail, and ability to manage multiple tasks with minimal supervision.

• In-office setting with traditional hours.
• Capacity to work at a rapid pace for extended periods and to perform physically demanding tasks as needed.
• Ability to work overtime as necessary.

In addition to compensation, a generous benefits package includes insurance, 401(k), an associate stock purchase program, paid time off, and associate banking perks. For more information about the benefits offered, .

The Bank is committed to providing equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation or gender identity, or any other legally protected category. The Bank is proud to be a drug-free workplace. Selected candidates may be required to complete background checks and screenings as part of employment eligibility.