SUMMARY:
In accordance with established lending policies and procedures, the Senior Credit Officer of Small Business Administration Lending will underwrite and prepare packages for government agency submission. This position will assist the Business Development Officer with pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations. This position will help manage credit projects and will help with identifying opportunities to create efficiencies.
PRINCIPAL ACCOUNTABILITIES:
Time: Description:
70% Ensures Small Business Administration loan requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures and government agency regulations and guidelines. Ensures risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported. Approves or denies requests within delegated authority. Ensures accurate and proper loan file documentation.
10% Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.
10% Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.
5% Provide support to Business Development Officers in all areas of credit. This includes pre-flighting loan opportunities, negotiating loan terms and structuring customer presentations.
5% Assists with the management of credit projects and identifying opportunities to create efficiencies.
BASIC QUALIFICATIONS:
Bachelor's degree with 10 years of experience in commercial and consumer lending with a minimum of 5 years working with Small Business Administration loans or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS:
- Excellent verbal, written, and interpersonal communication skills.
- Strong Analytical ability.
- Knowledge and understanding of underwriting or evaluating commercial credit.
- Thorough understanding of SBA regulations and guidelines as well as other Government Guaranteed loan requirements.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Opportunity Employer
Skills Required
- Bachelor's degree
- 10 years of experience in commercial and consumer lending
- At least 5 years of experience working with Small Business Administration loans
- Equivalent combination of education and experience may be accepted
- Excellent verbal, written, and interpersonal communication skills
- Strong analytical ability
- Knowledge and understanding of commercial credit underwriting or evaluation
- Thorough understanding of SBA regulations, guidelines, and other government-guaranteed loan requirements
What We Do
Fidelity Bank is a full-service financial institution with assets of approximately $3.7 billion headquartered in Fuquay-Varina, North Carolina. The Bank owns and operates 57 branches throughout North Carolina, Virginia, and South Carolina. For over 100 years, Fidelity Bank's vision has remained the same; to be the independent, sound, and profitable bank that businesses and families come to first - and bank with for life. BANK FOR LIFE - We earn the loyalty of our customers. Our superior attention to caring and personal service lets us build relationships that span lifetimes - even generations. INDEPENDENT - Fidelity Bank is not for sale. We have been independent for over 100 years and plan to remain that way. SOUND - Our bank is safe and secure. We have superior quality assets and a rock solid capital position. PROFITABLE - Our bank is profitable and growing. We provide consistent healthy returns and we seek out opportunities for growth and expansion. Right By You: It's not just a slogan Nothing is more important to us than the long-term success and financial well-being of our customers. Businesses and families turn to Fidelity Bank because we take the time to find out what is important to them, treat them with respect, and offer all the products and services they need in a friendly environment. Walk into any Fidelity Bank location and you will know you are in the right place. Generations of Fidelity Bank customers can attest to it. People ask why we go to such lengths for our customers. We remind them we do it for our friends. This page is moderated M-F, 8a-5p ET. View our Guidelines: https://www.fidelitybanknc.com/social-media-terms-of-use/
