It starts with our culture ...Common sense has never been common.If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions.That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings. We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work. This type of position is ideal for someone looking to build a career in finance. We will provide you training and coaching throughout your onboarding experience, as well as on the job. As you demonstrate success, there will be opportunities for advancement within our organization. As an SBA Senior Credit Approval Officer I, you will Support SBA BDO’s and Bankers in structuring and analyzing SBA transactions for existing and prospective clients. SBA Lending includes complex structures for purposes which include business acquisition, working capital, real estate acquisition and construction, debt refinance, and asset acquisition. Ensure the overall credit quality of the SBA Portfolio throughout the NBH footprint, through sound and diligent underwriting in multiple channels within the Bank. Facilities to include SBA Express, 7a Small Loans, 7a Standard Loans, 504 transactions, CAPLine and other SBA and USDA Products. Underwrite new SBA credit requests in conjunction with internal and external regulation and compliance requirements. These include but are not limited to: NBH Credit Policy and Underwriting Guidelines, NBH SBA Credit Policy and Underwriting Guidelines, SBA SOP 50 10 7 (Origination Manual), SBA SOP 50 57 3 (Servicing Manual), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Federal and State laws related to safety and soundness, consumer protections and privacy, etc.You will have responsibility for reviewing application documents, spreading financials, analysis of financial performance and metrics, identifying credit risks and mitigating factors and reviewing 3rd party reports such as credit bureau data and appraisals or valuations, etc. from initial analysis, into credit analysis and closing. You will assist in loan closing, including satisfying closing conditions of approval, documentation and equity injection reviews. Minimum Requirements:High school diploma or equivalent Bachelor’s degree in Finance, Accounting, Economics or related field or possess equivalent combination of education and experience.5-7 years of relevant experience in business and/or commercial banking, preferably with SBA products.Capacity to work with multiple computer and software systems including Microsoft Office and web based applications.Desired Skills: Ideal candidates for this position should possess some or all of the following skills: SBA Lending knowledge, including eligibility requirements, underwriting rules and guidelines and product specifics.Completed formal credit training program or equivalent.Capacity to work with Bank centered computer and software systems, such as FIS, Moody’s CreditLens, and Capitalstream.Ability to think logically and analyze complex business financials to perform risk assessment and research.Passionate and motivated self-starter with attention to detail.Strong work ethic and ability to complete work accurately and efficiently.Strong oral and written communication skills with the ability to clearly and concisely articulate message.Ability to handle multiple tasks simultaneously.Work well with and through others, building and maintaining relationships with internal and external contacts. These include front line associates, credit department, loan operations, executive management, SBA, CDCs and NAGGL, etc.Work Environment:We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following: We are committed to our core value of meritocracy and supporting our associates in growing within their role When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.An associate must be able to work overtime to the extent necessary (typically no more than 5%).Flexible scheduling with an opportunity to work remotely as business needs allow. Benefits:In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here. If this is what you believe in, then you’re definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.