Small Business Loan Specialist

Summary

Performs administrative support to Small Business Bankers. Assures compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Essential Functions

• Interact with customers to demonstrate care and build relationships with clients through proactive outreach and follow up
• Assist Small Business Bankers with wire transfers, payments, advances and client inquiries
• Assist Small Business Bankers with collection of application items, requesting financials and/or other documents, client follow up
• Work closely with Small Business Bankers to monitor loan application status and provide updates to clients, as needed
• Assist in preparation of loan presentation to Loan Committee by creating product packages on nCino
• Assist with portfolio management functions, including monitoring exception reports, covenant compliance, financial reporting requirements, loan renewals, and past-due relationship maintenance
• Communicate with Small Business Bankers regarding overdrafts, matured/maturing loans, contacts customer and/or insurance companies to clear exceptions on loans and other pending items, etc.
• Assist Small Business Bankers with loan closings
• Ensure correspondence received is handled and routed as needed
• Ensure compliance with banking policies, lending practices and regulatory requirements to include wires and transfers
• Handle in-person and telephone inquiries; responds to request and inquiries, researches discrepancies and resolves issues
• Notarize documents when necessary
• Prepare loan documents on Laser Pro
• Review attorney prepared documents
• Other duties and special projects as assigned
• Carry out responsibilities with professionalism and respect for others in accordance with the Bank’s policy as well as to ensure compliance with Federal, State and Banking Regulations
• Prepare and review loan documentation
• Participate in training, as needed
• Stay updated industry trends and regulatory changes as they pertain to Small Business (SBA) loans

Required Education, Experience, Skills

• Seven or more years’ experience as a Lending Assistant in a commercial bank, or similar experience, preferred
• General knowledge of SBA lending programs, requirements, and processing, including SBA 7(a), 504, and Express loans, with experience supporting SBA loan documentation, closing, servicing, and compliance activities
• Proven ability to communicate effectively with all levels of bank personnel, customers, attorneys, and title companies; ability to provide excellent customer service
• Ability to obtain Notary Public license for the state of Texas
• Bilingual (English/Spanish) preferred
• Excellent organization skills and attention to detail
• Excellent analytical and problem-solving skills
• Reliable, self-motivated, and results-oriented individual who demonstrates initiative, takes ownership of assigned responsibilities, and exhibits a strong eagerness to learn and grow within a growing department
• Proficient with use of LaserPro/NCINO lending software
• Strong computer skills to include Microsoft Office, Word, Excel and Adobe
• Strong knowledge of consumer and commercial loan documentation to include handling complex transactions and real estate transactions
• Regulatory knowledge should include current understanding of Regulation B, HMDA, OFAC, CIP, Beneficial Ownership and Flood Regulation
• Experience working with others in a team to meet customer needs
• Knowledge of state and federal banking compliance regulations, and other Bank lending policies
• Effective oral, written and interpersonal communication skills with the ability to apply common sense to carryout instructions
• Work with minimal supervision while performing duties
• Familiar with loan documentation system administration support

Supervisory Responsibility

• N/A

Working Conditions/Physical Requirements

• Office setting