Loan Specialist at Phoenix Lender Services in LaGrange, Georgia

Job Description:

Position Summary:

The Loan Specialist is a leading sales position which is primarily responsible for originating quality loan volume for the lender. This position is also responsible for sourcing and submitting loans, by both internal leads and external efforts, that qualify under the SBA 7a, SBA SLA, SBA Express, and SBA 504 program. Additionally, this position will also provide all aspects of loan origination, including working with credit and closing to ensure timely closing of the loan request.
Job Duties/Responsibilities:

Develop contacts and leads to generate Small Business Administration (SBA) loan financing for business customers by spending more than 80% of time on sales activities and functions from both inside leads and developing relationships with outside referral sources with the goal to obtain quality loan requests from them.
Contribute to the growth of the loan portfolio by originating applications for SBA loans.
Continually foster lender's reputation in the marketplace and expand circles of influence to bring more quality loans to lender.
Build, develop, and maintain profitable finance lending relationships with new and existing referral sources.
Generate leads through cold calling and existing referral contacts to develop SBA lending opportunities.
Consult with customers and prospects to understand their current business practices and identify their financial goals and needs.
Develop and promote lender's products and services to best meet the business needs of the customer and the lender.
Gather, analyze and discuss credit and financial information for determination of credit quality and appropriateness of SBA financing.
Develop SBA loan packages, gather pertinent financial information, and submit to SBA processing center.
Responsible for all facets of the loan to include delivering, upon approval, commitment letter and review of loan program details, and closing.
Proactively strengthen customer relationships by providing quality advice during the loan process.
Work in partnership with credit, administration, and closing to process and close quality SBA loans in an as expedient manner as possible.
Convey loan declines to borrowers as needed in a professional and courteous manner.
Follow all of lender's credit policy and procedures guidelines.
Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.
Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.
Confidently embody Community Bank & Trust - West Georgia's Mission, Vision and Values.
Represent Community Bank & Trust - West Georgia in the community and at community events.
Perform all other duties as assigned.

Required Skills/Abilities:

An undergraduate degree in business, finance, or a related field or an equivalent combination of training and experience.

A minimum of 3 years related experience in commercial loan sales, relationship banking, or other job-related experience.
A minimum of 2 years related experience in SBA lending.
Knowledge of the government guaranty loan programs (SBA 7a, 504, SLA, and Express), including changes to the programs implemented by the governing agency.
Strong working knowledge of credit and underwriting analysis.
Relationship management, business development and sales skills.
Problem solving and negotiation skills with ability to balance client needs with the best interests of the lender.
Ability to analyze and approve leases, purchase contracts, trust documents, and other applicable paperwork.
Ability to work effectively in a team fostered, multi-tasking environment.
Ability to read and interpret written information, recall written and oral instructions provided by others, edit documents for accuracy, grammar and spelling, write clearly and informatively and communicate information with clarity, tact and diplomacy.
Proficiency in using Microsoft Office Suite and banking/loan software programs and platforms.

Physical Demands and Work Environment:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.
While performing the duties of this position, the employee is regularly required to talk or hear. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Onsite work environments are climate controlled. ____________________________________________________________________________
Note:
We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.
This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an "at-will" relationship.