SVP, Small Business Administration Loan Division Leader

PB&T Bank has been fulfilling financial needs and exceeding our customers' expectations since 1889. We are a full service bank, providing products and services for individuals and small businesses, specializing in commercial and construction lending. Over the years, PB&T Bank has endured and become a stronger, more secure bank, while remaining independently owned and operated, allowing for a more personal banking experience.

Our customers have come to know they can trust and count on PB&T Bank for excellent customer service and equally excellent products.

We stand by our Signature Banking culture which is the highest level of customer service each customer receives from an employee of PB&T Bank. Building relationships with internal and external customers based on confidence and trust that PB&T Bank is conducting banking business by taking ownership of customer needs and providing follow up after resolution. We put customers at ease knowing we have completed transactions to the best of our ability. PB&T Bank employees take pride and responsibility by placing their signature on all accomplished work.

General Purpose

This position is the driving force behind the development and sustained growth of the Small Business Administration (SBA) Loan Division of the Bank. This position will manage the overall credit risk of the principal loan portfolios through effective planning, credit review, sales and lending techniques, as well as planning and directing all aspects of the operational policies, plans and initiatives in conjunction with various committees and stakeholders, including Market Presidents and Regional/Branch Managers. This position will have a particular emphasis on SBA lending, SBA loan monitoring, SBA regulatory compliance, SBA risk management and SBA profitability for the organization. This role will set the strategic path for the SBA Loan Division.

Essential Duties/Responsibilities

• Work closely with the President/CEO and senior management members to prepare and achieve strategic business and tactical initiatives.
• Responsible for meeting production as determined by the Bank President and CEO.
• Ensure the SBA Division remains well informed on regulatory issues
• Administer all applicable bank loan and credit policies and procedures, commercial lending operations strategies, underwriting, risk management and loan pricing for the Bank as relates to the SBA Division.
• Manage the overall credit risk of the SBA loan portfolios in the Bank.
• Manage and monitor SBA loans to ensure credit quality in the Bank.
• Monitor economic market conditions and make recommendations to senior management regarding the development and maintenance of the SBA Loan Division.
• Responsible for the establishment, maintenance and monitoring of internal controls and compliance of board policies, state statutes and government regulations, especially adhering to regulatory guidance and federal and state laws for the Bank regarding SBA loans.
• Control bank quality, ensuring policy and guidelines are followed consistently by personnel, implementing best practices in lending and credit administration across the organization and promoting the culture as pertains to SBA Loans.
• Responsible for coaching and developing the team and supervising the activities of subordinates as the SBA Division grows in staff.
• Compliance with requirements of Signature Banking.

Knowledge:

• Knowledge of the banking industry procedures, workflow and regulatory requirements at a state and federal level.
• Understanding of various credit structures, credit philosophy and credit underwriting.
• Understand how to sell bank products and services.
• Specific knowledge of SBA Express (both Colorado-based and non-Colorado-based), Community Advantage, 504 CDC, and SBA Microlender loan programs

Skills:

• Excellent written and oral communication.
• Proficient computer skills (Excel and Word), to include financial analysis and reporting.
• Interpersonal skills and stakeholder management skills needed to work effectively within all levels of management throughout the organization and external vendors and government representatives.
• Strong management and leadership skills.
• Time management, prioritization, delegation, and problem-solving skills.
• Strategic thinking skills.

Ability:

• Competence with figures and an analytical mind with the ability to make accurate evaluations and sound lending recommendations.
• Understand financial statements and credit analyses.
• Ability to motivate personnel.
• Ability to analyze complex financial information and solve problems.
• Ability to prioritize and organize.

Education:

• Bachelor’s degree in business, Finance, or similar field.
• Banking Education through certified institutions.

Experience:

• Ten years’ experience leading an SBA lending team required.
• Ten years’ experience within the banking industry, including a background in commercial lending and risk management required.
• Experience managing multiple lines of business in commercial lending and commercial banking operations required.
• Experience for a minimum of 5 years in the banking industry serving a local branch market preferred.

Job Type: Full Time

Closing Date: April 3, 2025

Pay Range: $175-225K, depending on knowledge, skills, education, experience, and geographical location of selected candidate. Position must be performed in the existing market area of PB&T Bank.

Benefits

• Competitive Pay
• Health and Dental with generous bank contribution (Full-Time Employees)
• Vision and other supplemental benefits (Full-Time Employees)
• Bank Paid Group Term Life, Long-Term Disability, Accidental Death Insurance (Full-Time Employees)
• Vacation earned after 90 days
• Sick Time earned on DOH
• Birthday Time Off
• 401(k)
• Employee Assistance Program
• Referral Incentive Program
• Flexible Spending Account

EEO Statement:

It is the ongoing policy and practice of Pueblo Bank & Trust Company (PB&T Bank) to provide equal opportunity in employment to all employees and applicants. No person shall be discriminated against in any condition of employment because of age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

The policy of equal employment opportunity (EEO) shall apply to all terms, conditions, and privileges of employment, including hiring, probation, testing, training and development, promotion, transfer, compensation, benefits, educational assistance, termination, layoffs, social and recreational programs, and retirement.

PB&T Bank is committed to making employment decisions based on valid requirements, without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law. PB&T Bank will analyze its personnel actions rigorously to ensure compliance with this policy.

PB&T Bank will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)

PB&T Bank’s EEO Coordinator is, Human Resources. They are responsible for compliance with state and federal EEO laws and affirmative action regulations. They are also responsible for implementing the Bank’s Affirmative Action Plan (AAP), including equal employment practices, monitoring, and internal reporting. If you believe you have not been treated in accordance with this policy, please contact the EEO Coordinator.

Our AAP for Veterans and the Disabled is available to you in PB&T Bank’s Human Resources office during regular office hours or by appointment.

All employees and applicants for employment are protected, by both company policy and equal employment opportunity/affirmative action regulations and law, from coercion, intimidation, interference, or discrimination for filing a complaint or assisting in an investigation.

Salary : $175,000 - $225,000