Job Description

Job Description

Job Description

Description:

Responsible for developing and executing the strategic direction of the Small Business Loan Center (“SBLC”). Drives small business credit opportunities from concept to implementation that tie into the Bank’s strategic goals. Has a solid understanding of all aspects of the underwriting process inclusive of risk management and regulatory compliance. Manages the day-to-day operations of the SBLC.

Below is a list of essential functions of this position. Additional responsibilities may be assigned in the position.

KEY RESPONSIBILITIES

Team Management

• Sets the strategic priorities for the department based on the bank's strategic goals.
• Ensures clarity around goals for the entire functional area.
• Responsible for planning and advising the work.
• Provides guidance, mentoring and counseling to direct and indirect reports.
• Guides the talent identification and development process for existing or new teammates

Business Process Management

• An agent of change who possesses the work experience and technical skill set to build customize small business lending solutions that promote effectiveness and efficiency for greater ease of use benefiting clients all around.
• Clearly defines challenges and uses comprehensive thinking to develop solutions to those challenges.
• Is an entrepreneurial problem solver who can develop well thought out solutions and implement those solutions.
• Manages relationships with vendors
• Ensures technology remains updated with current release.

SBA Management

• Coordinate periodic review of SBA portfolio with U.S. Small Business Administration.
• Manage relationship with Loan Service Providers.
• Create and manage policy and procedures for SBA program.

Credit and Lending

• Work with team to assist with loan underwriting.
• Approves loans within specified limits
• Reviews small business model assumptions along with pricing grid

Portfolio Management

• Monitor portfolio performance, including growth, delinquencies, profitability and exceptions.
• Identify and mitigate potential risks within the portfolio.
• Ensure compliance with internal policies and regulatory requirements.

ATTITUDES

Builds positive relationships with internal and external clients by valuing other's feelings and rights in both words and actions, and embracing other's unique beliefs, backgrounds, and perspectives by demonstrating:

• Respect - Demonstrate that the feelings and rights of others are valued
• Client Focus - Coaches the Team to “Find A Way To Say Yes” through the application of outstanding technology solutions and interpersonal interactions, in a safe and sound manner, with internal and external clients. Communicates in a patient, professional and empathetic manner with clients. Passionate about implementing proactive solutions that improve the client experience.
• Inclusion - Embrace one another’s unique backgrounds, perspectives, beliefs and experiences that demonstrate and support a welcoming environment. Display an empathetic approach to interactions and promote a feeling of belonging among co-workers and clients alike.

BEHAVIORS

Demonstrates strong business ethics and honest behaviors and the ability to positively influence and work with others to achieve excellent results by demonstrating:

• Leadership - Influence toward the achievement of goals. Take a leadership role in projects, initiatives, processes, task and client relationships.
• Integrity - The degree to which being honest and having strong business ethics are practiced and to which they abide by company policies and procedures.
• Collaboration - Is a clear communicator and active listener. Effectively promotes and practices collaboration within all levels of our organization. Ability to interact and be comfortable working in a physical office or virtual environment. Can reach consensus efficiently and optimally regarding goals and methods for completing projects or tasks. Ability to understand a variety of perspectives, manage priorities from everyone on the team and can meet expectations as the leader of the team driving the Bank to success.
• Volunteerism - Seek opportunities to support volunteerism in the local community, increase the bank’s outreach, and cultivate new business.

COMPETENCIES

Reflects skill, good judgement, positive conduct, and personal responsibility for assigned areas. Seeks to implement and leverage services and technologies that create efficiencies by demonstrating:

• Accountability - Holds himself/herself to a high standard of performance and engagement. Is accountable for his/her actions, readily admits mistakes and immediately corrects those mistakes.
• Innovation - Think outside the box for new and original ideas. Evaluate processes and recommend solutions to improve experience or efficiency
• Professionalism - Practice the skill, good judgment, attitude, and conduct characterized by a person in a business environment.

SUPERVISORY RESPONSIBILITIES

Supervisor drives strategic success from encouraging transparency, maintaining a focus on shared organizational goals, and making time for professional development. Supervisors are expected to hold regular one-on-ones with direct reports to provide them with an invaluable chance to align goals, offer guidance, and foster growth within their teams.

• Oversees Small Business Loan Center
• Takes ownership and responsibility for the team’s action or inaction
• Ensures assigned responsibilities are finished on time and are complete.

POSITION LEVEL(S) EXPECTATIONS

Title of Small Business Loan Administrator – Officer, AVP, VP or SVP is dependent on education level, years of experience and the areas listed below:

• Project management experience
• Management experience
• SBA experience
• Small Business experience

SEEKS PROFESSIONAL DEVELOPMENT OPPORTUNITIES

Actively participate in expanding skill sets and career paths by attending training programs, workshops, certifications, and educational resources relevant to the role. Set stretch assignments and cross functional opportunities that foster growth and learning.

QUALIFICATIONS, EDUCATION, & EXPERIENCE

To perform this position successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. Bachelor’s degree (B.A.) from a four-year college or university; or related experience and/or training, or equivalent combination and experience. Ten or more years of business banking and/or commercial lending experience with SBA experience and a leadership role. A background screening will be conducted.

• LANGUAGE SKILLS: Ability to read, comprehend, and interpret documents. Possesses professional communication and interpersonal skills to write and speak effectively both one-on-one and before groups of clients or employees of the organization. Ability to communicate to clients directly and effectively.
• TECHNOLOGY SKILLS: To perform this job successfully, an individual must be able to perform each essential position requirement satisfactorily and a skills inventory is listed below. Successful completion of required background checks is required.
• MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Apply mathematical fractions, percentages, ratios, and proportions to practical situations. Knowledge in reading and interpreting financial documents required.
• REASONING ABILITY: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to solve challenging problems involving several variables in a standardized situation.
• PHYSICAL DEMANDS AND WORK ENVIRONMENT: The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this position.

This position operates in a professional office environment with considerable time spent at a desk using office equipment such as computers, phones, and printers. Noise level is moderate with constant communication and interactions with others. May be required to lift 10 pounds in weight. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

DISCLAIMER : This job description is not an exclusive list of responsibilities and duties. They may change at any time without notice.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, Hospital Indemnity & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!

Eligibility requirements apply.

BankOnBuffalo is an equal opportunity employer and all applicants are considered based on qualifications without regard to sex, race, color, ancestry, religious creed, national origin, sexual orientation, gender identity, physical disability, mental disability, age, marital status, disabled veteran or Vietnam era veteran status. CNB Financial Corporation is an Affirmative Action Employer and is committed to fostering, cultivating and preserving a culture of diversity and inclusion.

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