Director of Government & SBA Lending (SVP)
Integro Bank - Phoenix, AZ
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Description: SUMMARY: You own it, are accountable and likely are a top performing player coach, meaning you source business and are an active business development officer specializing in originating SBA government guaranteed loans (both 7A and 504) and also enjoy leading, motivating, training and developing a team of 4-6 or more SBA BDOs. You may not be happy with your employer's culture or perhaps interested in exploring a change. You have a passion for helping small businesses. Ethics, integrity, building trust, delivering on your promises, and delivering results for your small business clients is of paramount importance to you. You are very intrigued to learn about the proprietary services we invented, provide for free to business owners and the proven effectiveness these services have in providing you with consultative solutions and a competitive edge not offered by any other bank in the USA. You are pleased to learn that the bank actively supports the National Association of Government Guaranteed Lenders (NAGGL); assuring the banks continued commitment to SBA lending. You are curious to learn why we are one of the fastest growing SBA lenders. You either live in the Phoenix Arizona metro area or willing to immediately relocate and be based here so you can interact with the executive team and our SBA BDO Officers. You are competitive and interested in helping us rapidly become one of the top ten SBA lenders in our region. If this sounds like you, please keep reading and we encourage you to apply. RESPONSIBILITIES: Lead Integro Bank's SBA and government guaranteed lending programs, with an emphasis on SBA 7A and 504 lending. Will drive profitability of business relationships through loan growth, loan sales, deposit & treasury management and other services. Serves as a player/coach with full P&L responsibility. Proven business development, credit, and commercial business lending experience is required. Recruit, train, develop and build a top-ten SBA ranked program. Learn and leverage use of the bank's proprietary Integro360 services. Personally develop and cultivate new SBA lending opportunities including both 7A and 504 loan programs and manage other BDO's doing the same. Duties include: Recruit, coach, train and lead the SBA team of employees. Supervise LSP's, attorneys and third party service providers. Champion the use of Hubspot, Spark, Abrigo and Laserpro technology tools. Exercise prudent credit authority and guide others on loan eligibility, underwriting and credit write-ups. Generate sales pipeline, P&L, and performance metric reports and follow up with team to ensure execution of tasks. Monitor BDO production and hold people accountable for meeting goals. Generate new SBA 7a and 504 program loans from small business clients in accordance with established annual goals and objectives. Prescreen loans with knowledge of SBA for proper structure, conformity, and eligibility with respect to the applicable loan program. Identify opportunities to solve client issues by obtaining sufficient information from applicants to analyze the loan request appropriately. Maintain continual dialogue and close working relationship with other bank officers, centers of influence, referral resources, etc. Assist Business Banking team to cross-sell deposit, trade, cash management, asset management and other banking services. Responsible for developing a loan credit approval memo for the credit department based on the information received from the prospect. Responsible for assisting client through the end-to-end loan process, assisting internal team members with obtaining all necessary documentation needed to close the transaction, and to follow up on any exceptions or account matters. Responsible for ensuring compliance with all aspects of job-related laws and regulations, including timely, and successful completion of all online or in-person training required by Integro Bank. Participate in community and business functions/groups to provide a positive image for the bank within the marketplace. Establish referral contacts within the community. Attend local COI and SBA functions to establish Integro Bank's presence and cultivate CDC relationships. Requirements: QUALIFICATIONS: Knowledge, Skills & Abilities Demonstrate a minimum of 7 years' experience in SBA Lending/Sales Minimum of 2 years' experience managing government guaranteed lending programs. Demonstrated expert knowledge of SBA products, eligibility and SOP policies Strong credit, underwriting and regulatory compliance knowledge in SBA and commercial business lending. Excellent verbal, written, and interpersonal communication skills. A team player able to work in a collaborative, multi-tasking environment. Proficient in Microsoft Office suite and interested in learning about our high tech invented technology solutions. Ability to work independently and develop relationships based on overall profitability and revenue generation. Strong working knowledge of financial analysis including cash flow, balance sheet, financial ratios, collateral, economic and industry analysis. Education & Experience Bachelor's Degree or equivalent experience preferred. Prior relationship management and business development experience required. Strong Sales experience required. SBA 7A and/or 504 experience required. Prior experience managing a government guaranteed lending program required. ENVIRONMENT & PHYSICAL DEMANDS: Ability to lift a minimum of 20lbs. (e.g., file boxes). Must be able to sit, stand, bend and stoop. Sitting/Standing/Driving for 90% of the time. Requires ability to use keyboard up to 8 hours. Travel may be required. INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: Integro Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law. About Integro Bank: Our Mission is to "Lift and Transform Lives." We focus on helping small businesses maximize growth because "Employment lifts people up and transforms lives". Our Core Values are: · Earn and be worthy of Trust: Trust is everything. Be authentic, honest, make personal connections and keep your promises. · Demonstrate an optimistic and positive attitude: Our intentions should be upbeat, positive and lift others up. Positivity breeds success. · Focus on client-centric solutions: We listen, understand and WOW our clients. · We deliver results: Own it, be accountable, committed and strive for positive outcomes in everything we do. BENEFITS: Comprehensive benefits package including: Health, dental and vision insurance, paid time off, company paid life insurance, short and long-term disability, 401k, and tuition savings program.
Created: 2024-10-06