SBA Credit Advisor

Job Summary:
A SBA Credit Advisor should demonstrate commitment to delivering distinctive service. This position will be responsible for credit underwriting and approval activities of government guaranteed SBA 7(a) and 504 loans, which are used to finance start-ups, business acquisitions, expansion, equipment purchases, construction and commercial real estate purchases. This role will ensure SBA lending activity is in accordance with SBA SOP and Pinnacle SBA Credit Policy. This position is also responsible for ongoing portfolio management and preparation of underwriting documentation. The SBA Credit Advisor may become eligible to receive lending authority, as determined by the leadership.

Job Duties and Responsibilities:

• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues.
• Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
• Partner with Financial Advisors by giving front end guidance on new and renewed credit requests including desirability of the credit related to Pinnacle's credit appetite, structure, documentation, and monitoring.
• Complete all underwriting functions such as financial spreading (if applicable), written analysis, global cash flow analysis, industry analysis, projections, collateral evaluation, and risk rating to provide vital decisioning information to the credit approving team.
• Engage in prospect and client calls. Exhibit willingness and ability to "weigh in" on the credit decision.
• If applicable, exercise sound decisioning judgment if approving within own lending authority. Ensure timely completion of Periodic Credit Reviews.
• Provide sufficient written analysis to support the credit exposure, assigned risk rating, and recommendations.
• Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
• Each team member is expected to be aware of risk within their functional area. This includes observing all policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should raise and report known or suspected violations to the appropriate Company authority in a timely fashion.
• Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
• Assist other team members as needed to ensure delivery of distinctive service.
• Performs other related duties as required

Minimum Education: Bachelor's degree is required -- finance or business-related field (accounting, economics, etc.). 

 

Minimum Experience: Minimum of 10 years' experience in financial services.

Required Knowledge, Skills & Abilities: Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software. Thorough knowledge and understanding of the SBA SOP lending process, including the 7(a) and 504 programs to determine eligible borrowers in order to protect the Bank's government guarantee of said loan(s). Knowledge of federal and state banking regulations and compliance. Proficient in use of technology and loan systems. Effective interpersonal skills, including verbal and written communication skills. Effective analytical skills regarding financial and procedural data. Ability to articulate complex concepts clearly and concisely. Ability to define problems, collect data, establish facts, and draw valid conclusions. Understanding of critical lending documentation, general business systems and internal controls. Ability to work in a fast-paced environment and work well under pressure with a high degree of accuracy. Ability to work independently and prioritize daily tasks. Must be flexible and multi-task, with effective time-management skills to meet deadlines. Ability to adapt to a changing environment and handle multiple priorities. Excellent client service skills. Tact and diplomacy in dealing with both clients and team members. The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.