Small Business Specialist

Peoples Bank is a community-focused financial institution dedicated to serving its local communities. They are seeking a Small Business Lending Specialist to assist with analysis, underwriting, documentation, and portfolio management for small business loans.

Responsibilities

• Working with customers to collect financial information, clarify trends, and accurately analyze operations of the business
• Establishing loan structures within policy guidelines based on loan type, risk profile, and conditions within assigned parameters
• Preparing written analysis to accurately identify problems, trends, and changes in financial statements, cash flow, and ratios
• Preparing loan approval packages required for submission including credit memo, grade, and narrative
• Ordering and reviewing appraisals, title commitment, insurance policies, etc. for credit approval and file
• Coordinating Escrow to include preparing Escrow Instructions and closings with outside Escrow agents or managing RE closing process for qualifying in-house closings
• Managing loan delinquencies and alerting Small Business Lending Officers and the Director of Commercial Banking to problems or unusual trends and addresses problem areas immediately
• Working with Loan Origination to ensure that loan and collateral documents are properly ordered, and lien perfections are secured
• Supporting the Bank’s objectives for loan volume, portfolio diversification, asset quality and profitability through prudent analysis and underwriting
• Ensuring all credits are underwritten, processed, closed, and booked according to policy guidelines and credit approval
• Understanding basic accounting principles and their implications for the lending function
• Possessing knowledge of and comply with all Federal and State commercial banking regulations

Skills

• You have a college degree in business, finance, economics, or related field, or have equivalent experience
• You have a minimum of 1 year of banking experience including credit analysis, or equivalent work experience
• You have the ability to review and understand financial statements and tax returns for individuals and all types of business entities
• You are proficient in Microsoft Office (Outlook, Word, Excel. Etc.)
• You work with minimal supervision and have excellent organizational, problem-solving, and decision-making skills
• You have strong interpersonal skills including professional etiquette and service mentality
• You are skilled at business communication, both verbal and written
• You have a strong professional demeanor and high regard for confidentiality
• You can travel to other Peoples Bank locations and off-site for meetings and/or training as required
• You have the ability to model the Peoples Bank Mission, Vision, and Values

Benefits

• Hybrid work from home options for most non-customer-facing positions
• Profit Sharing
• Incentives
• Bonus Structures
• 12 days of paid vacation
• 2 paid wellness days
• 2 days of paid community service time
• Paid sick leave
• 11 paid holidays throughout the calendar year
• Full suite of Health benefits to employees and their families that include Medical, Dental and Vision Insurance
• Mental Health Resources
• $200 annual reimbursement for wellness related expenses
• 8% 401(k) employer match
• Safety net of life and disability plans

Company Overview