Small Business Loan Officer

Responsibilities

Contribute to loan production goals by reviewing and screen leads that meet eligibility for loan products and programs.

Meets with applicants/clients to review available loan and credit options and assist in the completion of the loan application process.

Coordinate and attend marketing events and conduct educational and sales presentations on APC loan programs, products, and the lending process.

Meets with applicants/clients to review available loan and credit options and assist in the completion of loan application process.

Analyze applicants' financial status, credit report, and collateral to determine the feasibility of loan approval.

Obtains, compiles, and analyzes applicants' credit reports and histories, business financial statements, and other financial information.

Ensures timely follow-up with applicants and submits loan packages for Micro Loans, up to $50,000 to underwriting staff.

Represents Access Plus Capital in a professional manner at all times.

Explains processes and takes appropriate action(s) to resolve applicant/client concerns and complaints in a professional manner.

Travels for agency business using personal transportation.

Maintains regular attendance and punctuality.

Works evenings and weekends as required.

Performs other duties as assigned.

Qualifications

EDUCATION:

Bachelor’s Degree in Business Administration (Finance, Accounting, Marketing), Economics, or related field required. Additional work experience may substitute required education on a year-by-year basis.

EXPERIENCE:

Three (3) years of relevant experience in finance/banking sector required.

Two (2) years of relevant experience in business development, business-to-business sales, marketing, or in finance/banking sector required.

Minimum 1-2 years of experience in credit analysis of small business loans in a non-profit or for-profit environment required.

OTHER QUALIFICATIONS:

Proficient in Microsoft Office Suite and other business software.

Working knowledge of credit principles, policies, practices, and financial & cash flow analysis.

Excellent mathematical, analytical, and computer skills, including strong proficiency with Excel and databases.

Candidates should have strong sales and communications skills.

A high level of professionalism is required.

Desire to work in a multicultural environment; commitment to working with underserved communities.

Ability to work with clients in a respectful and understanding manner, to maintain confidentiality and to coordinate and prioritize to meet specified deadlines.

Committed to the work of community development and making a positive impact in the urban and rural business communities.

Strong organizational skills and must be able to multi-task.

Proficient in Microsoft Office Suite and related business software. 

Effective presentation, written, and verbal communication skills.

Willing to work non-traditional hours and days to meet the needs of this position.

Maintain a valid California driver’s license, reliable transportation, adequate auto insurance as required by State law, and insurability by Access Plus Capital carrier for those driving personal vehicles on behalf of the organization.

Prior to employment, a criminal background investigation and credit history check must be passed. Ongoing employment requires maintaining criminal clearance, an acceptable credit history, and eligibility to participate in Small Business Administration (SBA) Loan Programs.