Associate Credit Jobs in Utah (NOW HIRING)

THIS POSITION MAY BE LOCATED IN ONE OR OUR BANKING LOCATIONS IN COLORADO, KANSAS, MISSOURI, TEXAS, WYOMING, UTAH OR NEW MEXICO.

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.

This type of position is ideal for someone looking to build a career in finance. We will provide you training and coaching throughout your onboarding experience, as well as on the job. As you demonstrate success, there will be opportunities for advancement within our organization.

As an SBA Senior Credit Approval Officer, you will Support SBA Business Development Officers and Bankers in structuring and analyzing SBA transactions for existing and prospective clients. SBA Lending includes complex structures for purposes which include business acquisition, working capital, real estate acquisition and construction, debt refinance, and asset acquisition.

Ensure the overall credit quality of the SBA Portfolio throughout the NBH footprint, through sound and diligent underwriting in multiple channels within the Bank. Facilities to include SBA Express, 7a Small Loans, 7a Standard Loans, 504 transactions, CAPLine and other SBA Products.

Underwrite new SBA credit requests in conjunction with internal and external regulation and compliance requirements. These include but are not limited to: NBH Credit Policy and Underwriting Guidelines, NBH SBA Credit Policy and Underwriting Guidelines, SBA SOP (Origination Manual), SBA SOP (Servicing Manual), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Federal and State laws related to safety and soundness, consumer protections and privacy, etc.

You will have responsibility for reviewing application documents, spreading financials, analysis of financial performance and metrics, identifying credit risks and mitigating factors and reviewing 3rd party reports such as credit bureau data and appraisals or valuations, etc. from initial analysis, into credit analysis and closing. You will assist in loan closing, including satisfying closing conditions of approval, documentation and equity injection reviews.

Minimum Requirements:

• Bachelor's degree in finance, Accounting, Economics or related field or possess equivalent combination of education and experience.
• 7+ years of relevant experience in business and/or commercial banking, preferably with SBA products.
• Capacity to work with multiple computer and software systems including Microsoft Office and web based applications.

Desired Skills: Ideal candidates for this position should possess some or all of the following skills:

• SBA Lending knowledge, including eligibility requirements, underwriting rules and guidelines and product specifics.
• Completed formal credit training program or equivalent.
• Capacity to work with Bank centered computer and software systems, such as FIS, Moody's CreditLens, and Capitalstream.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technicalprocedures.
• Advanced 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.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to clients and associates.
• Ability to deal with normal problems involving multiple facets and variables in non-standardized situations.
• Ability to think logically and analyze complex business financials to perform risk assessment and research.
• Passionate and motivated self-starter with attention to detail.
• Strong work ethic and ability to complete work accurately and efficiently.
• Strong oral and written communication skills with the ability to clearly and concisely articulate message.
• Ability to handle multiple tasks simultaneously.
• Ability to work with minimal supervision while performing duties.
• Excellent organizational and time management skills.
• Work well with and through others, building and maintaining relationships with internal and external contacts. These include front line associates, credit department, loan operations, executive management, SBA, CDCs and NAGGL, etc.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

• In-Office setting with traditional hours.
• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
• Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.
• Must be able to work overtime to the extent necessary.

Benefits:

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks. For more information about the benefits offered click here.

If this is what you believe in, then you're definitely right for us. Consider making an investment in us, so that we may invest in you and your bright future.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.
The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.
Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.