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Pinnacle Bank · 1 day ago

SBA Lending Officer

Elberton, GA, US

Full-time

Onsite

Mid, Senior Level

2+ years exp

Pinnacle Bank is a financial institution seeking an SBA Lending Officer. The role involves direct origination of government guaranteed loans, developing commercial loans, and building long-term customer relationships while ensuring superior service quality.

BankingFinanceFinancial Services

Responsibilities

Direct origination efforts from calling and other personal efforts and responsible for advising and assisting Pinnacle line lenders in the production of Government guaranteed loans

Increasing bank assets by developing quality commercial loans and deposit accounts

Cross selling bank products and services to customers through telephone contacts and personal visits

Building long-term customer relationships

Maintaining a positive service mentality

Ensuring superior quality service in completing all customer transactions

Matching the financial needs that achieve those customer goals with product and service solutions

Demonstrating an accurate knowledge of SBA and the bank's products and services

Qualification

SBA 7a Loan OriginationBusiness Banking ExperienceSBA SOP 50 10 7Credit AnalysisFinancial Statement AnalysisGeneral Accounting KnowledgeMicrosoft OfficeSharePointLeadership SkillsOrganizational SkillsCommunication Skills

Required

Four year college degree, ideally a Bachelors of Business Administration in a related field (i.e. finance)

Minimum: 2+ years of Direct SBA 7a Loan Origination or Business Banking experience

2+ years of outside calling experience

Familiar with the current SBA SOP 50 10 7 guidelines

Good relationships with Referral Sources (COIs)

Detailed knowledge of SBA SOP for lenders and servicers

Knowledge of requirements for qualification and origination

Detailed familiarity with servicing, reporting requirements, and portfolio management

Strong credit and communication skills

Leadership skills in order to build internal relationship to generate business

Strong organizational and multi-tasking skills

Must have a basic knowledge of the bank's products and services

Must have a willingness to serve

Must be able to function efficiently in a network environment and have a working knowledge of Microsoft Office and SharePoint

Must be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the bank's account reconciliations)

Must be able to collect, research, and analyze information skillfully

Must be a self-starter, a creative thinker, flexible, eager, nurturing, open to change and exhibit good judgment

Must be a leader by example, attentive to detail, work well with others and responsive to supervisory guidance

Must be able to read credit reports and other tools necessary to accomplish position responsibilities

Must know how to read financial statements to include the balance sheet, profit & loss statement, and cash flow statement

Must be able to identify and interpret trends in financial data

Must have a general knowledge of Generally Accepted Accounting Principles (GAAP) to include understanding the significant differences between Audited, Complied, and Reviewed financial statements

Must have a clear understanding of the concepts of working capital

Must have a working knowledge of compliance guidelines for the bank and the industry