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SBA Credit Officer

Company: Heritage Bank of Commerce
Location: Danville
Posted on: June 6, 2021

Job Description:

Qualifications:

To perform 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. Bacherlors degree (B.A) from a four-year college or university; a minimum of one to three years related experience in underwriting or analytics; or equivalent combination of education and experience.

Primary Responsibilities:

Receive and respond to requests for servicing actions on existing loan portfolio, including but not limited to collateral releases, substitutions, subordinations and other related actions. Spread and Analyze borrowers/guarantor financial performance, credit reports, available collateral and other documentation to determine ongoing credit worthiness and loan support. Prepare credit authorization and write-up for servicing action requests. Recommend approval or decline through appropriate analysis and supporting documents and according to Bank policy and SBA and other established regulatory guidelines. Follow for concurrence and communicate Bank/SBA decision to borrower according to and within regulatory guidelines. Prepare documentation to complete servicing actions, complying with all actions required to protect the SBA/B&I guarantee. Close service action documentation with borrower and related parties. Follow for timely submission of monthly payments through oral communication and inquiry with the customer. Identify the need for further action as related to delinquent payments and notify the SVP/SBA Department Manager. Assist SVP/SBA Department Manager in monitoring loan performance and recommending risk grade changes based on changes in risk factors including, but not limited to, financial performance, payment performance,

Keywords: Heritage Bank of Commerce, Danville , SBA Credit Officer, Other , Danville, California

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