SBA Credit Analyst

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    "requisitionDescription": "<div><div><div><div><div><div><div><div><p><span style=\"font-size: 14px;\">A strong, independent community bank, North State has served customers for over 25 years and counting. Headquartered in Raleigh, North Carolina, with offices in Wake and New Hanover counties, the Bank was built on and practices the core values of integrity, hard work, fairness, teamwork, and consistency. We believe it&rsquo;s our calling to add value to the lives of those we serve and to do so with a spirit of friendship. We are a full-service bank with focused divisions for mortgage, government lending, and the community association management industry. &nbsp; &nbsp; &nbsp;</span></p><p><span style=\"font-size: 14px;\">North State Bank has an exciting opportunity for an SBA Credit Analyst. &nbsp;The SBA Credit Analyst assists the Credit Administration Department in collecting and disseminating Small Business Loan applications to determine applicants&#39; ability to meet bank credit policy and SBA guidelines, as well as other financial and regulatory requirements. Additionally, supports Portfolio Managers and Credit Administration with coordinating and completing annual reviews and other projects, as needed.</span></p><p><span style=\"font-size: 14px;\">Remote opportunities are available in the following states - NC, SC, GA, TN, and FL. We are unable to consider candidates in other states.&nbsp;</span></p><p><span style=\"font-size: 14px;\"><strong id=\"isPasted\">Essential Duties &amp; Responsibilities:</strong></span></p><ul style=\"list-style-type: disc;margin-left: 0.25in;\" data-pasted=\"true\"><li style=\"font-size: 14px;\">Assist underwriters and business development officers to identify, gather, and analyze relevant information, complete file set up, establish viability of credit requests and review loan structures to ensure adherence with credit policy and SBA SOP&rsquo;s, when appropriate.&nbsp;</li><li style=\"font-size: 14px;\">Works daily in the Bank&rsquo;s LMS, nCino, to ensure accurate data entry, proper document management, and timely workflow processes are met.&nbsp;</li><li style=\"font-size: 14px;\">Pulls and reviews third party reports, which generally include credit reports, LexisNexis reports, SAM&rsquo;s, OFAC, CAIVRS, and tax transcripts, and reports any concerns to management in a timely manner.</li><li style=\"font-size: 14px;\">Completes detailed spreads for financial analysis of borrowers, affiliated businesses, corporate and personal guarantors.</li><li style=\"font-size: 14px;\">Assists in the preparation of the credit analysis and a detailed write up for credit approval.</li><li style=\"font-size: 14px;\">Communicates with business development officers, the SBA operations team, senior management, and borrowers as needed throughout the credit process.</li><li style=\"font-size: 14px;\">Maintains broad knowledge of SBA/USDA SOP and bank policy guidelines.</li><li style=\"font-size: 14px;\">Provides the highest level of customer service to borrowers, Business Development Officers, and co-workers.</li><li style=\"font-size: 14px;\">Collaborate with Portfolio Managers and Credit Administration Officers to complete annual portfolio reviews.&nbsp;</li><li style=\"font-size: 14px;\">Analyzes business and global cash flow for existing SBA borrowers and guarantors to identify their financial condition, profitability, repayment ability, operating trends, and determine if there are any financial indicators that point to current or potential stress within the businesses or guarantor&rsquo;s financial situation.&nbsp;</li><li style=\"font-size: 14px;\">Communicates with borrowers to obtain missing and updated financials to ensure that files are up-to-date and complete.</li><li style=\"font-size: 14px;\">Assists with special projects as needed. &nbsp;</li></ul><p><span style=\"font-size: 14px;\"><strong id=\"isPasted\">Qualifications (Includes education, certifications, experience, etc.):</strong></span></p><ul style=\"list-style-type: disc;margin-left: -0.25in;\"><li style=\"list-style-type: none; font-size: 14px;\"><ul style=\"list-style-type: disc; font-size: initial;\"><li data-pasted=\"true\" style=\"font-size: 14px;\">Bachelor&rsquo;s degree in finance, business management or other related field; or an equivalent combination of education and experience.</li><li style=\"font-size: 14px;\">One to three years of experience in financial analysis, credit analysis, loan management within community bank or related financial service company, or relevant education</li><li style=\"font-size: 14px;\">Previous experience with an SBA institution strongly preferred</li><li style=\"font-size: 14px;\">Working knowledge of government lending regulations and guidelines.</li><li style=\"font-size: 14px;\">Possess strong organizational skills, acute attention to details, and tactfulness.</li><li style=\"font-size: 14px;\">Good written, verbal, interpersonal skills with internal and external customer</li></ul></li></ul><p><span style=\"font-size: 14px;\">North State Bank provides competitive compensation and excellent, flexible benefits program. With North State Bank benefits, you have the flexibility to choose what&#39;s right for you and your family. We hope you will see it comes down to one simple truth: North State Bank is a great place to work!&nbsp;</span></p><p><span style=\"font-size: 14px;\">North State Bank is an equal opportunity employer and gives consideration for qualified applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity, national origin, pregnancy, genetic information, disability or status as a protected veteran status or any other protected category under applicable federal, state and local laws. VEVRRA Contractor.&nbsp;</span></p><p><span style=\"font-size: 14px;\">26051620</span></p></div></div></div></div></div></div></div></div>\n",
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