Director of SBA Lending – Executive Credit Officer

This is a fully remote position, open to applicants in United States.

📋 Description

• Provide executive oversight and strategic guidance for SBA lending as a fundamental growth platform.

• Direct and oversee the ongoing operational activities of the SBA lending department, ensuring adherence to government regulations (SOPs).

• Develop and spearhead strategic planning initiatives and operations that foster growth and mitigate risk while prioritizing customer service.

• Approve, decline, and review loan underwriting in accordance with Bank Credit Policy and government guaranty requirements.

• Manage the SBA loan secondary market sales process to guarantee that all eligible SBA loans are bid on and sold, should the bank choose to participate in loan sales.

• Act as an Executive Member of the Credit Committee.

• Review credit submissions for approval and provide recommendations for credit approvals to the executive credit team and the Board.

• Maintain a comprehensive working knowledge of government program products and services.

• Ensure quality and consistency in loan underwriting and overall credit quality.

• Guarantee compliance with government requirements concerning eligibility, credit, servicing, and liquidation.

⛳️ Requirements

• Bachelor’s degree in business, finance, or a related field (or equivalent experience).

• Five to seven years of experience as a commercial lender and/or SBA lender.

• Minimum of six to ten years of experience in SBA/government program lending.

• Five to seven years of experience in underwriting and credit.

• Extensive knowledge of real estate, commercial, and consumer lending practices, as well as credit granting criteria and applicable state and federal laws regulating lending and collection functions.

• Strong sales, organizational, communication, and public relations skills, especially in interactions with customers or potential customers.

• Exceptional communication, interpersonal, sales, and negotiation skills.

• Solid understanding and knowledge of banking products and services.

• Excellent computer skills, particularly with Microsoft Office Suites (i.e., Word, Excel, Outlook).

🏝️ Benefits

• Reasonable accommodations may be provided to enable individuals with disabilities to perform essential functions of the position, provided such accommodations do not impose an undue hardship that would require significant difficulty or expense.

• Health insurance.

• 401(k) matching.