SBA Credit Officer III

Job description

This position will be responsible for functions associated with the commercial credit risk management of the bank. This position will be responsible for identifying and understanding developing trends and providing a thorough, independent assessment of a borrower’s capacity to withstand the risks posed by these trends through the preparation of written, in-depth analyses of business, management and industry factors. A primary component of this position will involve the exercise of independent judgement and discretion on matters pertaining to the identification and management of the credit risk and quality of SBA loans within the Bank’s commercial loan portfolio Primary Duties: - Spread and analyze financial statements for existing and prospective clients. Provide preliminary recommendation regarding the feasibility of the credit request. - Provide input to lending officers on terms under which a credit request could be structured including costs, repayment methods and collateral requirements. - Collaborate with commercial lending officers, SBA Lending staff and borrowers to prepare independent, written credit evaluation of new, renewal or modification loan proposals as well as annu...