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Title
Text copied to clipboard!Small Business Lender
Description
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We are looking for a dedicated and experienced Small Business Lender to join our financial institution. The ideal candidate will have a strong background in finance and a passion for helping small businesses succeed. As a Small Business Lender, you will be responsible for evaluating loan applications, assessing the financial health of businesses, and making informed lending decisions. You will work closely with business owners to understand their financial needs and provide tailored lending solutions. Your role will also involve maintaining strong relationships with clients, ensuring compliance with lending regulations, and contributing to the overall growth of our lending portfolio. The successful candidate will possess excellent analytical skills, a keen eye for detail, and the ability to communicate complex financial information clearly. You will be expected to stay up-to-date with industry trends and economic conditions that may impact small businesses. This position requires a proactive approach to identifying lending opportunities and a commitment to providing exceptional customer service. If you are a motivated individual with a strong financial acumen and a desire to support the growth of small businesses, we encourage you to apply.
Responsibilities
Text copied to clipboard!- Evaluate loan applications and financial statements.
- Assess the creditworthiness of small businesses.
- Make informed lending decisions based on financial analysis.
- Develop and maintain strong relationships with clients.
- Provide tailored lending solutions to meet client needs.
- Ensure compliance with lending regulations and policies.
- Monitor loan performance and manage risk.
- Stay informed about industry trends and economic conditions.
- Identify new lending opportunities.
- Collaborate with other departments to support business growth.
- Prepare detailed loan reports and documentation.
- Conduct site visits to assess business operations.
- Negotiate loan terms and conditions with clients.
- Provide financial advice and guidance to business owners.
- Participate in community events to promote lending services.
- Handle customer inquiries and resolve issues promptly.
- Maintain accurate and up-to-date client records.
- Assist in the development of lending policies and procedures.
- Train and mentor junior lending staff.
- Contribute to the overall growth of the lending portfolio.
Requirements
Text copied to clipboard!- Bachelor's degree in Finance, Accounting, or related field.
- Minimum of 3 years of experience in lending or financial services.
- Strong understanding of financial statements and credit analysis.
- Excellent analytical and problem-solving skills.
- Ability to make sound lending decisions.
- Strong communication and interpersonal skills.
- Detail-oriented with strong organizational skills.
- Proficiency in financial software and Microsoft Office Suite.
- Knowledge of lending regulations and compliance requirements.
- Ability to work independently and as part of a team.
- Strong customer service orientation.
- Ability to manage multiple tasks and meet deadlines.
- Proactive approach to identifying lending opportunities.
- Experience in small business lending preferred.
- Ability to travel for site visits and client meetings.
- Strong negotiation skills.
- Commitment to continuous learning and professional development.
- Ability to handle confidential information with integrity.
- Strong work ethic and high level of professionalism.
- Ability to adapt to changing economic conditions.
Potential interview questions
Text copied to clipboard!- Can you describe your experience with evaluating loan applications?
- How do you assess the creditworthiness of a small business?
- What financial metrics do you consider most important when making lending decisions?
- Can you provide an example of a challenging lending decision you made?
- How do you ensure compliance with lending regulations?
- Describe a time when you had to resolve a conflict with a client.
- How do you stay informed about industry trends and economic conditions?
- What strategies do you use to identify new lending opportunities?
- How do you handle multiple tasks and prioritize your workload?
- Can you describe your experience with financial software and tools?
- How do you build and maintain strong relationships with clients?
- What steps do you take to manage loan performance and risk?
- How do you approach negotiating loan terms with clients?
- Can you provide an example of how you provided financial advice to a business owner?
- Describe your experience with preparing loan reports and documentation.
- How do you ensure accuracy and attention to detail in your work?
- What motivates you to work in small business lending?
- How do you handle confidential information?
- Describe a time when you contributed to the growth of a lending portfolio.
- What do you think are the biggest challenges facing small businesses today?
