Join Our Team

The Small Business Loan Officer (LO) focuses on the origination and submission of small business loan products, to include SBA, SBAC Direct, USDA, and SSBCI. The ideal candidate is proactive in their ability to source small business lending opportunities using new relationships and their established contacts, clients, & network. The LO is responsible for growing SBAC’s small business loan portfolio with an emphasis on Commercial Real Estate, SBA 504 loans, and SBA 7(a) Community Development loans throughout SBAC’s Georgia and South Carolina footprint.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES

• Prospect new business: Identify, qualify, and secure new small business clients for potential loans of $250,000 and above
• Identify, secure, and maintain existing and new referral sources for SBAC such as bankers, realtors, CPAs, attorneys, community leaders, etc.
• Maintain an expert level of understanding of SBAC’s various loan products and their respective Standard Operating Procedure (SOP) principles
• Educate small businesses and referral sources on the benefits of using the SBAC’s loan products and advisory services
• Attain annual loan production goals
• Manage loan requests from origination to approval while adhering to SBAC lending criteria and working with Credit Department
• Negotiate terms, structure projects, and gain loan approval from SBAC’s Loan Committee and applicable funding source (i.e. SBA, DCA, USDA) using SOP guidelines and SBAC’s established credit policy and procedures
• Prepare necessary forms to ensure loan program eligibility requirements are met, that the proposed loan structure conforms to the most current and applicable Standard Operating Procedure (SOP) principles, so that any subsequent audits return no findings
• Perform site visits and assess collateral, documenting potential weaknesses
• Identify potential problems in an existing loan relationship and work with senior leadership on action plans
• Coordinate with SBAC Marketing peer(s) to effectively communicate SBAC’s mission and loan products
• Hold joint sales calls with management
• Develop partnerships with industry professionals and foster relationships with local business development organizations. Participate in civic organizations within SBAC’s geographic proximity
• Ability to review business plans, financial statements, appraisals, and environmental reports to identify and remedy weaknesses and/or loan program eligibility

MINIMUM QUALIFICATIONS

• Bachelor’s Degree (or in lieu of a degree, a combination of 7 years higher education and relevant work experience)
• 3+ years’ experience in a commercial real estate lending sales role. Demonstrated high performance in sales goal attainment
• Thorough knowledge of current SBA lending rules, regulations and practices
• Effective business development and selling techniques to maximize sales opportunities
• Sound credit skills are necessary to evaluate loan applications
• Ability to effectively market through social media
• Excellent communication, presentation, and customer service skills
• Proficiency with Microsoft Programs Word, Excel, Outlook, and PowerPoint
• Detail-oriented with high-level of accuracy, especially when dealing with government forms. Strong organizational skills, prioritization skills
• Experience in financial programs (residential mortgage excluded) created to address small businesses’ various needs
• Strong knowledge

Job Type: Full-time

Pay: Competitive salary based on experience and skills; excellent benefits

Location: Workplace requirements in Savannah, GA + minimal travel requirements to SBAC’s GA and SC footprint

Equal opportunity Employer

POSITION SUMMARY:
Responsible for all functions in the Loan Servicing and Closing Department: Small business loan servicing, daily operations, collections, REOs, customer service, reporting, analysis, and continued business growth.

The Portfolio and Servicing Manager (PSM) manages all aspects of the Loan Administration process, including the onboarding of new loans, and modifications to existing loans, daily payments, escrow activity, secondary market loan sales, management of contracts, portfolio analysis, collections, delinquency, risk management, and year-end activities.

RESPONSIBILITIES:
Compliance: Maintains proper compliance for all loans according to funding agreements and regulations. Responsible for the portfolio’s overall performance, asset management, and quality control. Assist with annual program and organizational audits.  Monitor internal processes and provide recommendations to ensure the department remains compliant with regulatory changes.
Budget: Responsible for departmental budget and oversees third-party contracts, responsible for departmental cost savings and leading the loan servicing team to seek efficiencies.
Reports: Generate and review delinquency and liquidation reports, contract status, goal status, and portfolio audit to COO/CFO. Holds regular meetings to include a prepared agenda and meeting objectives. Performs quarterly portfolio management reports for presentation to the Board of Directors and report analysis for loan committee every 3 weeks.
Management Team Responsibilities: Manage a team in the loan closing and servicing department. Support other team members and be an active member of the Management Team. Assist Senior management on other projects or deliverables, as
needed.

QUALIFICATIONS:
Degree in accounting, business, economics, finance, or equivalent combination of training and experience required.
5-7 years experience in loan servicing, portfolio and asset management, and financial analysis.
Proven ability to build relationships with potential clients and businesses, lending partners, and third-party contractors.
Prior work-related experience and knowledge of Small Business Administration (SBA) lending, HUD, and traditional and alternative loan programs are beneficial.
Hands-on experience working with small business owners is a plus.
Excellent verbal, written, and interpersonal communication skills.
Self-starter and problem solver.
Detail–oriented individual with an ability to work independently and with a team.
Fluency in MS Office suite (Excel, Word, PowerPoint) and superior analytical skills are required.

Job Type: Full-time (40 hours/week) (Non-remote)

Compensation: $75,000/year plus benefits

Benefits:

• Health insurance
• Dental insurance
• Vision insurance
• Phone allowance
• Expense spending account
• Mileage reimbursement
• Life insurance
• AD&D insurance
• Disability Insurance
• Retirement plan

Work Location: 111 E. Liberty Street, Suite 100, Savannah, GA 31401

POSITION SUMMARY:
The Loan Servicing Assistant (LSA) is responsible for assisting the loan closing and servicing department in performing various duties for small business loan management.

RESPONSIBILITIES:
The duties and activities of this position include, but are not limited to, the following:

• Data entry for loan closings into loan management system. Maintain and update client and loan information from closing to loan closeout.
• Input and monitor tickler reports and collect annual serving documents
• Monitor and conduct UCC filings and insurance renewals and cancellations
• Generate servicing and delinquency reports for meetings
• Initiate and send billing, delinquency, payoff requests, closeout, and other notification letters to clients
• Maintain client files and provide adequate record keeping of all communications
• Receive loan payments and document with date of receipt stamp
• Answer telephone and assist clients with servicing request
• Perform other duties necessary for the efficient operation of the servicing department.

QUALIFICATIONS:

High School Diploma or equivalent
Basic math and typing ability of 25 wpm
Knowledge of MS Office suite (Excel, Word, PowerPoint)
Excellent verbal, written, and interpersonal communication skills
Detail–oriented individual with the ability to work independently and with a team.
Loan support and servicing experience preferred

Job Type: Full-time (40 hours/week) (Non-remote)

Compensation: $35,000/year plus benefits

Work Location: 111 E. Liberty Street, Suite 100, Savannah, GA 31401