Small Business Loan Officer II

at  HOPE Credit Union

JOB SUMMARY

The Small Business Loan Officer II position is responsible for developing and managing a small business loan portfolio. The Small Business Loan Officer II is responsible for assigned market loan production goals and objectives and assist as needed to loan portfolio performance matters. Confidentiality is involved, and sensitive situations may be handled. The Small Business Loan Officer II position will be located in the states of Tennessee or Arkansas.

COMPETENCIES/SKILLS

• Ability to market small business loan financial products.
• Ability to network with other financial service providers for referrals.
• Ability to read and interpret legal documentation as it pertains to corporate organization and loan documentation.
• Demonstrated strength in credit analysis, financial analysis, and communication skills (written and verbal).
• Strong computer skills, especially with financial spreadsheets and word processing.
• Ability to read and interpret documents, write routine reports and correspondence. Ability to speak effectively before groups of customers and employees of the organization.
• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, percent, and interpret data.
• Ability to apply commonsense understanding to carry out detailed but uninvolved written or oral instructions.
• Ability to deal with problems involving a few concrete variables in standardized situations.
• Ability to network with business and civic contacts and successfully convert community outreach efforts to commercial lending opportunities for HOPE.

DESIRED QUALIFICATIONS

• Bachelor’s Degree in relevant field preferred
• Min of 3+ years of small business/commercial lending experience required
• Prefer experience in development, finance and/or commercial banking

PRIMARY AND ESSENTIAL FUNCTIONS

• Develop active referral network for identifying potential customers and co-lending partners in the assigned market.
• Work with prospects and internal staff to adequately assess risk of credit requests, present recommendations, and facilitate loan closings.
• Manage customer relationships, including facilitating required outside technical assistance (e.g., accounting, management, marketing, engineering, etc.), compliance with loan covenants, payment performance, annual financial reviews, and on-site collateral and business inspections.
• Manage assigned loan portfolio.
• Evaluating credit worthiness by processing loan applications and documentation within specified limits.
• Interviewing applicants to determine financial eligibility and feasibility of getting a loan.
• Ensure all assigned loans are complying and properly documented.
• Market HEC/HFCU’s other financial products and services.
• Refer loan to loan committee for approval.
• Approve or deny loan within establish limits
• Generally independent and collaborative in nature.

ACCOUNTABILITY FOR BUSINESS RESULTS

• Small Business loan production volume
• Small Business loan quality (compliance, payment performance, charge-offs, etc.)