SBA Lending Officer - Augusta, Covington, Athens
Pinnacle Bank
Athens, GA
Pinnacle Bank
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Job Type
Full-time
Shift and Schedule
8 hour shift
Monday to Friday
 
Full job description
For your application to be considered for employment, please apply online at https://www.pinnaclebank.com and go to About Us.
Bank Overview:
Pinnacle Bank, serving northeast Georgia since 1934, is expanding the SBA division and is currently seeking an experienced SBA Lending Officer. This lender will serve our footprint and surrounding area. We are looking for successful, professional individuals who want the opportunity to grow business as we expand our operation.
Employer Department
Pinnacle Bank SBA
Job title Exemption status
SBA Lending Officer Exempt
Supervised by
SBA Lending Manager
Job Summary
The SBA Lending Officer is responsible for:
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
The employee will support the bank's strategic goals, vision, mission, core values, service standards and service philosophy in actions, words and deeds.
Skills, Knowledge, Talents
Education
Four year college degree, ideally a Bachelors of Business Administration in a related field (i.e. finance)
Prior Experience
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).
Preferred: 5+ years of Direct SBA 7a Loan Origination or Business Banking experience. 5+ years of outside calling experience. Strong knowledge of the current SBA SOP 50 10 7 guidelines. Strong relationships with Referral Sources (COIs).
Required Skills and Knowledge
Core Value:
~ Operate with an Innovative Edge
~ Show Leadership
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).
Project a professional image by adhering to guidelines in the employee handbook.
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. How is it defined? What are the working capital accounts? How does the operating cycle affect these accounts?
Must have a working knowledge of compliance guidelines for the bank and the industry.
Pinnacle supports a diverse work force and welcomes all qualified applicants. It is the policy of Pinnacle Bank to consider applicants without regard to race, color, religion, creed, national origin, gender, disability, marital or veteran status, age or any other legally protected status.
Job Type: Full-time
Benefits:
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Paid time off
• Parental leave
• Referral program
• Vision insurance
Schedule:
• 8 hour shift
• Monday to Friday
Experience:
• Customer service: 1 year (Preferred)
• SBA 7a Loan Origination: 2 years (Preferred)
• Business Banking: 2 years (Preferred)
Work Location: In person
 
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