Senior SBA Loan Document Specialist

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

This position is responsible for, but not limited to, processing and closing U.S. Small Business Administration (SBA) 7a loans and U.S. Department of Agriculture Business and Industry (USDA B&I) loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Assist loan officers in working with borrowers to gather information for underwriting and loan approval.
• Preparation of loan package for submission to SBA if submitted under General Processing status and entry of loan into ETRAN
• Submission of loans into ETRAN for loans submitted under Preferred Lender Status and pull PLP number.
• Pull CAIVRS, SAMs, and OFAC reports, submit 4506t requests and compare with tax returns.
• Pull credit reports on individuals who will be guarantors on the loan.
• Create and maintain a 10 Tab folder for each borrower.
• Order appraisals and environmental report’s, as necessary.
• Generate list of necessary documentation for loan closings, prepare SBA forms, and work with Borrower to complete list.
• Engage closing attorney and work directly with loan officer and borrower and to provide documents and information needed for closing.
• Verify borrower equity prior to closing.
• Work with loan officer to review closing documents and submit changes to closing attorney.
• Assist Loan Operations with wire details needed for loan funding.
• Review post-closing packages for completeness and compliance.
• Assist with having loan documents signed for sale in Secondary Market.
• Engage 3rd party front end analysis and inspection reports on construction loans.
• Submit construction pay applications for inspections and fundings to contractors.
• Work with Borrowers and Loan Operations on draws for SBA loans. 
• Assist loan officers and borrowers with servicing matters as needed.
• Audit SBA loan files regularly to ensure completeness and work with loan officer and borrower to gather additional documentation as needed. 
• Upload loan credit files to Web Director (to include financial statements, SBA loan submission documents and closing documents).
• Work with New Accounts Area to open DDA and other accounts for borrowers.
• Help Borrowers set up ACH payments and work with loan officers on past dues.
• Monitor interest reserve accounts and make monthly interest payments on loans.

• Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
  • Provide assistance to other employees by liaising with them through healthy and positive interactions
  • Be involved in performing marketing endeavors/efforts

• Continuously update skills by participating in professional training

• All other tasks, responsibilities or duties, as directed by management

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS:

• Bachelor’s Degree in Business, Finance, or equivalent work experience in related field
• 5 - 7 years of previous commercial lending experience in a bank or lending environment
• Minimum of 5 years’ experience in government lending preferred
• Will provide government guaranteed loans in compliance with Vinings Bank and governmental loan program policies and procedures
• Requires knowledge of office practices, procedures and general office machines
• Must be able to prepare documents and compose business letters and memorandums
• Must be able to maintain confidentiality of customer and employee information
• Must be a self-starter and able to work independently
• Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process
• Must possess basic language skills to write and speak clearly, effectively, and appropriate to business standards
• Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action
• Must be professional in appearance
• Be a team player in recommending and referring additional products and services to other lines of business within the company

ADDITIONAL/IMPORTANT SKILLSETS: