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Small Business Credit Officer III

Job Description
The Small Business Credit Officer III acts as the final decision authority on small business loan applications while following sound lending practices, policies and procedures. The Small Business Credit Officer III ensures compliance with established underwriting guidelines, quality and production guidelines, as well as Federal Banking Regulations and Government Reporting requirements including but not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable Anti-Money-Laundering policies.Job Requirements
Senior level loan decision authority up to position authority limits including independent exception and high risk authority as defined in credit policy.
Acts as a mentor and participates in the on-going development of the Underwriting Staff.
Conducts credit investigations and analyzes financial information pertaining to Small Business relationships with Commercial Credit exposure up to Small Business’ highest authority limits.
Assesses analysis prepared by underwriters for accuracy and compliance with policy, guidelines and procedures in all prepared loan recommendations to arrive at an appropriate credit decision; including historical financials, business and personal cash flow analysis, applications data, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, and application data.
Notes any deviations from the small business loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk.
Identifies small business credit applications that require Small Business Administration/Agency credit enhancements and decision respective applications accordingly.
Renders final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / Fair Isaacs Scoring Data, management profiles, business/product cycles, industry information
4 year degree or equivalent experience
7-10 years related experience required
Prior single signature lending authority required.
Thorough understanding of credit underwriting and industry practices; previous business and personal financial statement and cash flow analysis required.
Expansive problem solving skills and the ability to blend technical knowledge and good business judgment when making loan decisions.
Excellent communication skills, both verbal and written.
Excellent interpersonal skills, ability to motivate underwriters individually and in a team environment as well as flexibility to work with various levels of sales and market personnel.
Proven leadership skills including coaching, counseling and mentoring of underwriting staff.
Proven excellent organizational, multi-tasking, analytical, time management and decision-making skills. Demonstrated ability to manage multiple priorities ensuring adherence to required turnaround times.
Comprehensive knowledge of commercial loan laws and regulations required.
Advanced PC skills (Microsoft Office).
Small Business Administration/Agency experience preferred