SBA Division Manager

Description

JOB SUMMARY:

The SBA Division Manager is responsible for managing all aspects of the SBA Department. Duties include working with senior management to develop and execute business plans; generating SBA loan deals and coordinate the sale of SBA Loans. In addition to mentoring and developing staff to reach annual goals.

ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Create a strong pipeline for and book SBA loans.
• Directly manage SBA Division and provide the overall direction, coordination, development, and evaluation of the department in compliance with Bank of Southern California’s policies and applicable laws and regulations
• Crete and maintain a collaborative work environment that facilitates the achievement of quality service delivery and support client relationships.
• Maintain a department organizational structure sufficient to meet all goas and objectives; recruit, train, coach, mentor and develop the knowledge, skills and abilities of team members.
• Utilize performance metrics to monitor productivity and efficiency of department and make adjustments to processes and procedures to meet performance goals.
• Regularly report production levels and performance metrics to management.
• Implement process and system improvements, as needed, to manage and monitor risks of the commercial credit fulfillment process and to ensure service quality to internal and external clients.
• Ensure thorough client financial data analyses and appropriately identify and mitigate risks.
• Develop and manage key risk and control indicators and audit the integrity of data in corresponding credit systems.
• Ensure thorough review of loan documents to confirm accuracy and consistency with credit approval, lending policy conditions and regulatory requirements.
• Develop and maintain work flows for all stages of document preparation, closing, file documentation and collateral management.
• Manage documentation quality to mitigate documentation exceptions by identifying required loan documentations for various loan types and pledged collateral and by consistently monitory exception activity and providing timely follow-up and clearing of exceptions.
• Assist in the preparation of responses related to inquiries from examiners, auditors or internal compliance/audit and make corrections as necessary.
• Possess a thorough understanding of financial statements including balance sheets, income statements and statements of cash flow as well as a working knowledge of commercial credit with varied collateral types.
• Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, establishing personal networks, benchmarking state-of-the art practices and participating in professional societies.
• Responsible for keeping current on the bank’s SBA lending policies, products, and services.
• Participate in community and CRA activities in order to promote the Company’s brand in our communities. 
• Actively ensure compliance with the Company’s Code of Ethics and all Bank Secrecy Act/Anti-Money Laundering, USA Patriot Act, information security and suspicious activity reporting requirements, policy and procedures. 
• Actively participates in any required corporate and business line training in these areas. Follows account opening procedures and understands and follows internal suspicious activity referral requirements and processes, as required for this position. 
• Actively works with customers to understand each customer’s normal account activity, as appropriate for this position.

Requirements

REQUIRED SKILLS AND ABILITIES:

• Sales experience.
• Leadership experience.
• Extensive knowledge and understanding of credit policy, compliance, and underwriting requirements.
• Extensive knowledge and understanding of commercial or specialty group banking products, and the credit practices/operating risks associated with them.
• Excellent verbal, written and interpersonal communication skills.
• Effective organizational, multi-tasking and prioritizing skills.
• Extensive commercial or specialty group middle-market relationship portfolio credit experience.
• Experience with syndicated loan structures.
• Demonstrated negotiation skills and ability to influence.

Education/Licenses/Work Experience

• Must have 15+ years of SBA work experience
• Mut have 10+ years credit administration experience
• Bachelor’s degree preferably in Finance/Economics
• Must have working knowledge of compliance and regulatory issues related to SBA (7) and 504 loans
• Microsoft Office Proficient (Outlook, Word, Excel, PowerPoint)
• Must be organized, able to report Leads/Loans/Call Report
• Must have the ability to work independently
• Must adhere to Dress Code and Code of Ethics
• Must have professional verbal and communication, and writing skills
• Must have professional presentation skills
• Thorough understanding of banking services. 
• Excellent oral and written communication, interpersonal, organizational and time management skill 

 Work Environment 

• Standard office environment with a moderate noise level.

Physical Demands

The work environment characteristics and physical requirements described here are representative of those which an employee in this position encounters while performing the essential functions of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions. 

• Prolonged periods sitting at a desk and working on a computer.
• Remain in a stationary position for sustained periods of time.
• Occasionally move about inside the office to access filing cabinets and/or other office machinery.
• Occasionally required to raise objects up to 25 pounds from a lower to a higher position, move objects horizontally from position to position with, and/or bend body downward and forward, and/or extend hands and/or arms in any direction to access files and/or other office machinery. 
• Consistent use of a computer and/or other office machinery is required, such as a keyboard, calculator, copy machine, scan machine, and/or computer printer. 
• Making substantial and repetitive movements (motions) of the wrists, hands, and/or fingers.
• Close visual acuity is required to perform activities including, but not limited to, preparing and analyzing data and figures, transcribing, viewing a computer terminal, and/or extensive reading.
• Regularly required to communicate verbally with employees, clients, and vendors.