Small Business Administration Packager/Closer

SUMMARY

The SBA Packager/Closer reports to the SBA Closing Manager. Provides administrative support relative to SBA loan origination and closing process for SBA Bankers and other SBA loan producers. Primarily responsible for preparing, processing, documenting, funding and servicing SBA Loans in accordance with INB credit policy. The position is largely that of a highly cross-trained generalist within the SBA lending specialty.

Supervisory Responsibilities                                                  

This job has no supervisory responsibilities.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

• In preparation for submission of loan packages to SBA must verify purpose, compliance regulations, collateral requirements, etc. and adherence to approval requirements.
• Must review approved credit packages to determine appropriate research necessary to ensure proper collateral position, review UCC searches, SBA documents, and agreements, etc. as required to close the SBA loan.
• Works with SBA Department staff, lenders, outside attorneys and vendors and other internal departments to close and manage SBA relationships with the highest degree of SBA loan program compliance.
• Timely processing includes performing UCC searches, ordering a variety of reports, such as flood certificates, etc., maintaining professional and positive customer relationships at all times, ordering preliminary title reports, researching insurance information, producing loan documents, responding to questions from clients and borrowers and following up as necessary.
• Adhere to all SBA SOP's and related regulations
• Create all new SBA loan files in accordance with SBA and bank filing standards, ensures files are properly imaged
• During loan origination and closing process assist with customer, vendor and internal partner inquiries. Assists clients with problem resolution via research (billing, payment apps, statements, etc.).
• Confirm all compliance requirements (CIP, BSA, PATRIOT Act, OFAC, CAIVRS, Sam.gov and Secretary of State status reflects Active/Compliance) are completed before closing as appropriate.
• Coordinate with closing attorneys to provide required documentation as requested for loan document preparation.
• Disburse loan proceeds per closing documents (wire, G/L tickets).
• Post-closing review of loan packages for accuracy and transmittal to loan operations for booking.
• Work to clear exceptions (collateral and insurance) with customer and closing attorney. Work with servicing team to setup tickler system to follow up until exception has been cleared.
• Ensure that imaging system is kept current by forwarding all new information for scanning.
• Assist 1502 reporting.

Supervisory Responsibilities                                                  

This job has no supervisory responsibilities.

Competencies                                                      

To perform the job successfully, an individual should demonstrate the following competencies:

Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.

Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.

Technical Skills - Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.

Customer Service - Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.

Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.

Oral Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.

Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience                                                  

Associate degree (A.A) or equivalent from a two-year college or technical school; and/or 1 to 2 years of related experience and/or training.

Language Skills                                                  

Ability to read and comprehend simple instructions, short correspondence, and memos.  Ability to write simple correspondence.  Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Mathematical Skills                                            

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.  Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

Reasoning Ability                                               

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with problems involving several concrete variables in standardized situations.

Computer Skills                                                  

To perform this job successfully, an individual should have strong PC skills with Outlook, Microsoft Excel and Word.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must occasionally lift and/or move up to 25 pounds.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

INB N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here:

https://www.eeoc.gov/sites/default/files/migrated_files/employers/poster_screen_reader_optimized.pdf