Associate Small Business Banker

Supervisory Responsibilities: None

Summary: This position is designed for associates who have recently completed an undergraduate degree or associates with some banking experience. The position offers a comprehensive training program that provides exposure to credit analysis and sales development. The Associate Business Banker will work closely with the Business Banking team to review Small Business loan applications, complete credit analysis, monitor lending portfolio, identify lending opportunities, and develop a knowledge of Business lending products including SBA loans. They will gain a strong understanding of the SBA program requirements and be able to accurately present credit structure, collateral, and financial information. Additionally, they will work to develop essential sales skills and understand how to effectively communicate with Business clients to meet their banking needs. It is expected that this individual will have the opportunity to choose a career path in credit or in sales.

Essential Duties and Responsibilities:

• Provide the highest level of quality service to the Business Bankers and the Retail Relationship Managers. Review loan applications submitted, communicating any deficiencies in a friendly, positive, professional manner, where turnaround time is essential.

• Compile, examine and evaluate the financial viability of a credit request pursuant to the analysis of financial statements. Prepare, organize, and submit financial data into the Credit Quest Scoring System. Analysis may encompass evaluations of commercial and industrial credits, SBA loan opportunities, as well as commercial real estate properties.

• Establish rapport with the Business Bankers, Retail Relationship Managers, and Business Banking AAs. Associate will exhibit an understanding of credit and work closely with and advise the Business Bankers on how to enhance the credit structure of their credit request.

• Develop an understanding and proficiency of SBA loan products and offerings. This person will be asked to gather and submit appropriate SBA documentation and establish a quality working relationship with SBA personnel.

• Identify opportunities to expand the Bank/Client relationships.

• Prepare analysis and loan packages for loans requiring submission to the U.S. Small Business Administration when appropriate.

• Prepare monthly / quarterly reports for presentation to Senior Management and the Board of Directors. May include small business loan exceptions and portfolio data.

• Help monitor all technical exceptions associated with the Small Business loan portfolio and provide monthly exception reports as directed.

• Attend seminars, classes, or other educational opportunities to stay informed regarding changes, product offerings, and best practices pertaining to Business and SBA lending.

Knowledge, Skills, and Abilities:

• Strong organizational skills and attention to detail.

• Basic understanding of accounting procedures.

• Strong working knowledge of personal computer and software programs (Microsoft Excel, Microsoft Word, CSI, and Loan Scoring Systems (i.e. Credit Quest, etc.).

• Limited travel may be required.

Minimum Qualifications:

• Bachelor's degree or associate degree in accounting or finance preferred.

• Will consider equivalent experience in accounting/finance or credit analysis knowledge with another financial institution if no degree.

• 6 months to 2 years of professional experience.