At Quantum National Bank, we pride ourselves on our dedicated and talented team members. Our shared goal is to provide community-focused financial services through personalized customer service, flexibility and community-based decision making. We look for the most qualified individuals who will deliver the ultimate in “Quantum service” to our customers, both internal and external.
If you are looking to take the next step in your career with an employer dedicated to providing a challenging and rewarding work environment, Quantum National Bank may be the place for you. We offer competitive salaries and a comprehensive benefits package.
For consideration please e-mail, fax or send us your resume:
Quantum National Bank
Human Resources Department
505 Peachtree Industrial Blvd.
Suwanee, GA 30024
Quantum National Bank is an Equal Opportunity Employer, M/F/D/V.
EXPERIENCED SBA LENDER
SBA BUSINESS DEVELOPMENT OFFICER II
QUANTUM NATIONAL BANK EXPECTATIONS:
In the performance of their respective tasks and duties, all employees are expected to conform to the following:
- Perform quality work within deadlines with or without direct supervision.
- Interact professionally with other employees, customers and suppliers.
- Work effectively as a team contributor on all assignments.
- Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.
- Team members should also be willing to perform tasks outside of the specific duties should the need arise.
- Positive attitude is a must.
The business development officer (BDO) is responsible for acquiring new business relationships and growing and maintaining a strong portfolio.
UNDERWRITING/POLICY COMPLIANCE: The BDO should demonstrate the ability to understand credit risk and be able to properly evaluate and disclose risk in a relationship.
The officer’s ability to analyze the borrower’s operational capacity is also evaluated. The officer should be able to assess collateral and any potential weaknesses. Factual accuracy in the loan memorandum is another consideration. The lender should understand the loan policy and document any exceptions to it.
ACCOUNT SERVICING: The loan officer, with the assistance of the account manager, should ensure files are up to date and exceptions resolved in a timely manner. A goal for total exceptions is 25%. The loan officer shall service the accounts and maintain up to date memorandum in files. He/she shall maintain well-organized, neat and current credit and
collateral files. Site visits shall be performed annually and documented accordingly.
PROBLEM LOAN IDENTIFICATION: The loan officer shall identify any potential problems in a loan relationship and document these issues in the credit file and promptly notify the senior credit officer (SCO). Loan ratings shall be assigned at loan approval and the loan officer shall recommend any changes in a timely manner. Loan officer shall assist in carrying out action plans approved by SCO for problem credit relationships.
COLLECTION EFFORTS: The loan officer has the responsibility to collect past due loans. The specific actions depend upon the delinquency of the account. The bank’s past due goals are 1.25% for past due loans greater than 15 days and 1.0% for loans past due greater than 30 days.
ASSET QUALITY: The loan officer has the responsibility to adhere to Board approved asset quality goals. Loan losses should be maintained at acceptable levels. Substandard assets
should be less than 20% and watch list accounts less than 25% of the lender’s portfolio.
PRODUCTION EXPECTATIONS: Production goals will be established annually based on commercial lending experience and salary levels. During the first 12 months of employment, the loan officer is expected to maintain the production goals outlined below:
- One-three months – No minimum goal requirement
- Three-six months – 10%-33.3% of annual goal
- Six-nine months – 40%-67% of annual goal
- Nine-twelve months – 75% to 100% of annual goal
Year-to-date reviews of goals are conducted monthly during each year of employment (including initial year of employment). If goals are not being met,
a performance improvement plan would be created to help the loan officer make progress toward those goals.
- College Degree – Either Bachelor’s or Associate’s. Major in finance, business or accounting preferred
- 2+ years of prior SBA financial sales experience preferred
- 3+ years’ experience in SBA banking
- General knowledge of banking and business in targeted location
- Strong English communication skills, both verbal and written
- Strong organizational skills
Travel up to or more than 50% of the time – visiting customers, making calls, etc.
Driving own vehicle required
Clean driving record and valid auto insurance required
Annual Bank Secrecy Act training required
Quantum National Bank is an Equal Opportunity Employer
This document is for information purposes only and is not to be construed as an employment agreement or contract. Quantum National Bank retains the right to amend or change job description at any time without prior notice.