SUPERVISORY RESPONSIBILITIES
None.
SUMMARY
The Small Business Lending Officer I works under the supervision of the Sr. Small Business Lending Manager to achieve an annual lending goal through lead generation and follow-up. This role analyzes loan requests and submits completed packages to underwriting for loan approval, through collaboration with the Loan Processing team, underwriters, and other team members. In coordination with Business Services, the Small Business Lending Officer will provide for and coordinate technical assistance for loan readiness to existing and perspective borrowers. The Small Business Lending Officer is responsible for representing Access Plus Capital in its lending activities and originating new loan transactions. In addition, this role will oversee the AccessLink (White Label) loan program.
Access Plus Capital is a US Treasury-certified community development financial institution and Small Business Administration (SBA) Approved Microloan Intermediary Lender. It offers financing and training services to small businesses and entrepreneurs in central California. Since its inception in 2009, it has lent over $70 million to over 1,000 entrepreneurs helping them realize their dreams by starting and growing their small businesses. For more information, go to http://accesspluscapital.com
DUTIES AND RESPONSIBILITIES/ESSENTIAL FUNCTIONS
Contribute to loan production goals by reviewing and screen leads that meet eligibility for loan products and programs.
Meets with applicants/clients to review available loan and credit options and assist in the completion of the loan application process.
Coordinate and attend marketing events and conduct educational and sales presentations on APC loan programs, products, and the leading process.
Meets with applicants/clients to review available loan and credit options and assist in the completion of loan application process, including packaging and review of required loan documents.
Analyze applicants' financial status, credit report, and collateral to determine the feasibility of loan approval.
Obtains, compiles, and analyzes applicants' credit reports and histories, business financial statements, and other financial information.
Ensures timely follow-up with applicants and submits loan packages for Micro Loans, up to $50,000 to underwriting staff as primary focus. Will assist with the packaging of larger loans,
Oversees the AccessLink (White Label) partners. This includes onboarding, training, and feedback.
Represents Access Plus Capital in a professional manner at all times.
Explains processes and takes appropriate action(s) to resolve applicant/client concerns and complaints in a professional manner.
Travels for agency business using personal transportation.
Maintains regular attendance and punctuality.
Works evenings and weekends as required.
Performs other duties as assigned.
To execute this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION:
Bachelor’s Degree in Business Administration (Finance, Accounting, Marketing), Economics, or related field required. Additional work experience may substitute required education on a year-by-year basis.
EXPERIENCE:
Three (3) years of relevant experience in finance/banking sector required.
Two (2) years of relevant experience in business development, business-to-business sales, marketing, or in finance/banking sector required.
Minimum 1-2 years of experience in credit analysis of small business loans in a non-profit or for-profit environment required.
OTHER QUALIFICATIONS:
Proficient in Microsoft Office Suite and other business software.
Working knowledge of credit principles, policies, practices, and financial & cash flow analysis.
Excellent mathematical, analytical, and computer skills, including strong proficiency with Excel and databases.
Candidates should have strong sales and communications skills.
A high level of professionalism is required.
Desire to work in a multicultural environment; commitment to working with underserved communities.
Ability to work with clients in a respectful and understanding manner, to maintain confidentiality and to coordinate and prioritize to meet specified deadlines.
Committed to the work of community development and making a positive impact in the urban and rural business communities.
Strong organizational skills and must be able to multi-task.
Willing to work non-traditional hours and days to meet the needs of this position.
Proficient in Microsoft Office Suite and related business software.
Effective presentation, written, and verbal communication skills.
Willing to work non-traditional hours and days to meet the needs of this position.
Maintain a valid California driver’s license, reliable transportation, adequate auto insurance as required by State law, and insurability by Access Plus Capital carrier for those driving personal vehicles on behalf of the organization.
Prior to employment, a criminal background investigation and credit history check must be passed. Ongoing employment requires maintaining criminal clearance, an acceptable credit history, and eligibility to participate in Small Business Administration (SBA) Loan Programs.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel; and talk or hear. The employee frequently is required to stand, walk, and reach with hands and arms. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must regularly lift and/or move up to 10 pounds, frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.
Note: The statements herein are intended to describe the general nature and level of work being performed, but are not to be seen as a complete list of responsibilities, duties, and skills required. Also, they do not establish a contract for employment and are subject to change at the discretion of Access Plus Capital.
