Small Business Loan Manager GSBDC

Description

Job Summary:

The CenterState Corporation for Economic Opportunity (CenterState CEO) seeks a Small Business Loan Manager for its small business lending and grantmaking activities. As a Small Business Loan Manager, you will lead the underwriting and approval process of lending products, including SBA 504 loans, funding from revolving loans, and the Growth Equity Fund. This may include direct client application preparation support, management of the reviewing committees, client communications, and post loan support.

The Small Business Loan Manager will lead CenterState CEO’s administrative lending and grant making activities through its Growth Equity Fund, The Greater Syracuse Business Development Corporation (GSBDC), and other financial tools CenterState employs. The GSBDC is a non-profit certified development company that supports small businesses through specialized lending services, including revolving loan funds and SBA 504 products. It is a separate organization which CenterState CEO staffs and supports.

All resumes should be submitted by Friday March 14th, 2025

Essential Job Duties and Responsibilities: (Additional duties may be assigned)

• Develop and maintain relationships with business clients to identify their financial needs.
• Evaluate SBA 504 and revolving loan applications by analyzing credit history, business performance, and financial documentation.
• Recommend SBA 504 and revolving loan terms and conditions that align with the bank’s policies and risk tolerance.
• Assess creditworthiness through the analysis of financial statements, cash flow, collateral, and market conditions.
• Perform risk assessments to determine the viability of lending to prospective clients.
• Prepare credit memorandums and present findings to loan committee and Board of Directors of the GSBDC.
• Build and nurture long-term relationships with small, medium, and large business clients.
• Act as a liaison to the SBA and legal counsel
• Act as a contact for client inquiries, providing exceptional customer service.
• Educate clients on loan products, terms, and repayment options.
• Perform regular reviews of loan portfolios to assess ongoing credit quality and risk exposure.
• Ensure all loan documentation complies with SBA, state, and institutional regulations.
• Stay informed about industry trends, regulatory changes, and economic developments.
• Maintain accurate and organized records of loan transactions and client communications.
• Work with small business relationship MANAGER / SPECIALIST to finalize loan packages.
• Provide guidance and training to team members.
• Participate in strategic planning and goal-setting initiatives for the lending portfolio.
• Track loan performance metrics and generate reports for management.
• Monitor competitive market conditions to adapt strategies for client acquisition and retention.
  
  

Loan Portfolio Management

• Monitor and manage the performance of the loan portfolio to ensure compliance with company policies and regulatory requirements.
• Conduct regular reviews and risk assessments of the loan portfolio to identify potential issues and implement corrective actions.
• Develop and maintain strong relationships with clients to ensure ongoing satisfaction and retention.
  
  

Loan Application

• Assist clients in completing loan applications accurately and efficiently, ensuring all required documentation is provided.
• Evaluate loan applications by analyzing financial statements, credit reports, and other relevant information to determine creditworthiness.
• Communicate with clients throughout the application process to provide updates and address any questions or concerns.
  
  

Servicing Loan Portfolio

• Provide ongoing support to clients by addressing inquiries and resolving issues related to their loans.
• Manage loan modifications, extensions, and renewals as needed to meet clients' changing needs.
  
  

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Supervisory Responsibility

This position has no supervisory responsibilities.

Position Type and Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday, 8:30 a.m. to 5 p.m. but can be flexible as agreed to by portfolio leads.

Travel

No travel is expected for this position.

Requirements

Minimum Required Education and Experience:

• At least 5 years previous experience in commercial lending position such as credit analysis and/or documentation follow-up, preferably having Small Business Administration 504 or 7A underwriting experience
• Familiarity with upstate New York business community
• Ability to analyze tax returns and financial statements and make sound risk assessments
• Strong problem-solving skills
• Ability to prioritize and multitask to meet deadlines
• Excellent written and verbal communication skills
• High ethical standards
  
  

Knowledge, Skills, And Abilities

• Excellent technical skills and proficiency with Word, PowerPoint, Excel, Outlook, and other software, as necessary.
• Personal Effectiveness/Credibility.
• Thoroughness.
• Collaboration Skills.
• Communication Proficiency.
• Flexibility.
  
  

Physical And Mental Requirements

This is largely a sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets and bend or stand as necessary.

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Disclaimer

• All requirements are subject to possible modification to reasonably accommodate individuals with disabilities.
• This job description in no way states or implies that these are the only duties to be performed by the employee(s) occupying this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by their supervisor.
• The company reserves the right to add to or revise an employee's job duties at any time at its sole discretion.
• This document does not create an employment contract, implied or otherwise, other than an “at will” employment relationship.
  
  

CenterState CEO is committed to creating a diverse and inclusive environment and is proud to be an equal opportunity employer without regard to race, creed, national origin, religion, sex (including pregnancy, childbirth or related medical conditions), gender, gender identity, age, marital status, physical or mental disability, predisposing genetic characteristics, sexual orientation, domestic violence victim status, military status or veteran's status.