Credit Management - SBA Credit Specialist

It starts with our culture ...
Common sense has never been common.
If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn’t just see a number, they’d see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people’s lives and offer simple solutions.
That's the basics of Relationships. Fairness. Simplicity®. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.
We have a long-standing commitment to Equity, Diversity, and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization, and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.
As an SBA Credit Specialist, you will assist the SBA Credit Team with processing SBA loans up through decisioning. You will assess SBA credit packages for completeness, pull relevant 3rd party reports, and assist in the SBA process where needed. You will be handling the Common Sense Loan submissions for our Small Business Clients. You should be able to interpret financial spreads, policy ratios, global cash flow statements and Commercial Real Estate analysis with minimal help, and assist with renewals and annual reviews as needed. You should be familiar with appraisals, organizational documents and loan documents. You will assist with the monitoring of covenants and borrowing bases, and assisting Senior Approval/Approval officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. As the Specialist, you will assist the Senior Approval/Approval officers in gathering data from clients, internal and outside sources; prepare spreadsheets and analyzes financial information including financial statements and tax returns.
Additionally, you are expected to compile data from credit bureaus, conducts industry reports and peer comparisons, and performs cash flow analyses and other such tasks and comparisons, and inform Business Banking Officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires are researched to determine credit worthiness and appropriate collateral positioning are achieved. You will develop knowledge of financial industry, economy, market conditions, rates, vendors and competition, convey this knowledge in a written format, summarizing specific to the Credit being analyzed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.
All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
Minimum Requirements: To be considered for this position, you must possess the following qualifications.
• Bachelor’s degree required in finance, accounting, related discipline or equivalent combination of education and related work experience.
• 3+ years of commercial financial analyzing or lending background.
• Basic experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Basic knowledge of commercial, construction, real estate and consumer loan processing.
• Direct regulatory or credit risk management experience.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:
• Advanced degree or certification related to field.
• 4+ years of related experience.

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.
• Ability to effectively present information and respond to questions from groups of managers, clients, and members of the general public.
• Proficient with MS Office applications including Outlook, Word, Excel, and PowerPoint.
• Basic math skills; calculate interest, commissions, proportions, and percentages; b