NB1473- Small Business Administration Team Leader

Northfield Bank s a full service bank with 39 branch locations throughout New Jersey; and Staten Island and Brooklyn, New York. With a history dating back to 1887, our growth continues through expansion of our presence in local communities and in our Product and Service offerings. Over 300 employees with diverse backgrounds and cultures have come together to make Northfield Bank what it is today. The Bank believes in providing all employees with the opportunity to reach their career potential and encourages advancement within the organization. For more information, please visit www.eNorthfield.com

Job Title: SBA Team Leader

Job Status: Full Time

Job Location: Rahway, NJ

Job Summary:

Responsible for expanding the Bank's Small Business Administration 7a lending program with a focus on SBA lending growth, SBA loan portfolio management and team oversight. Responsible for overseeing a team to structure, negotiate and originate SBA 7a loans and overseeing the management and servicing of the Bank's SBA 7a loan portfolio. Requires extensive experience and in-depth understanding of the SBA Standard Operating Procedures (SOP), compliance guidelines and requires a lending background including loan portfolio management, commercial lending and business development skills.

Essential Functions:

• Develop and execute SBA loan portfolio strategies, monitor performance of loans and work to mitigate risk.
• Identify potential SBA 7a lending opportunities utilizing internal and external referrals and evaluate eligibility, credit worthiness and product suitability for SBA 7a loan applicants,
• Make presentations for loan approvals to Senior Management and Board of Directors.
• Create and execute a business development strategy to generate new business opportunities.
• Provide leadership and direction to staff and facilitate strong communication between clients and internal staff
• Create, implement and recommend approval of lending and operating processes, procedures and controls for SBA 7a loan origination and portfolio management.
• Keep abreast of regulations and legislation, as well as, other political and policy making events that affect the Bank, in particular to sustain compliance with all lending requirements based on all SBA SOPs.
• Oversee and make recommendations to executive management on Bank's policies with regarding to SBA 7a loan origination and portfolio management
• Create and sustain relationships with local centers of influence and SBA loan agents, brokers, etc. for the purpose of referrals.
• Travel to business owner properties/locations for meetings and perform walk through inspections of commercial buildings and construction areas.
• Interpret technical data and reports based on environmental and appraisal information while assessing properties.
• Coach and mentor staff including but not limited to Relationship Managers, Portfolio Managers and/or SBA Loan Specialists:
  • Train and develop staff toward procedural compliance, goal achievement and exceptional customer service
  • Clearly communicate expectations of job performance and hold staff accountable for performing against expectations, goals and overall portfolio performance metrics
  • Actively participate in the performance management and career development processes for staff, including providing ongoing coaching and feedback, completing performance evaluations and proactively addressing performance issues
• In partnership with Human Resources, manage the hiring, training and retention of staff.
• Prepare and report production and portfolio updates to senior management for the SBA group.
• Protect the Bank's assets and maintain quality of portfolio by adhering to lending and deposit processes, policies and procedures, legal and ethics requirements and regulations, audit requirements, and established risk guidelines
• Compliance with all relevant Bank policies and procedures

Core Competencies:

Regulatory Knowledge - Understands the applicable federal, state, local, and company-specific regulations, policies and guidelines affecting business practices.

Commercial Lending Knowledge - Strives to achieve prudent lending goals utilizing the Bank's underwriting policy and guidelines acting as a responsible steward for the Bank.

Customer Satisfaction - Effectively meet customer needs. Building productive customer relationships. Taking responsibility for customer satisfaction and loyalty.

Building Partnerships - Identifies opportunities and takes action to build strategic relationships (internally and externally) between one's area and other areas, teams, departments, units or organizations to help achieve business goals.

Decision Making - Able to make sound business decisions. Takes thoughtful approach when considering options. Seeks input from others, as appropriate. Willing to make difficult decisions.

Accountability - Takes responsibility and ownership for decisions, actions and results. Follows through on commitments.

Resource Management - Allocates time and resources efficiently and effectively. Prioritizes work and delegates as appropriate. Works to minimize risk by acting as a responsible steward for the bank.

Leadership in Excellence - Understands, accepts and supports the mission of Northfield Bank and fosters values consistent with that mission. Creates a vision and goals for one's work unit and communicates it in a way that motivates others to implement it. Demonstrates energy and commitment to improving results, takes initiatives often involving calculated risks while considering the common good.

Collaboration - Works collegially with others, cooperating in both interpersonal and team relationships. Fosters enthusiasm and maintains mutual trust, candor and respect. Partners with groups effectively and builds business relationships with others.

Interpersonal Skills - Demonstrates behavior in alignment our Code of Conduct. Possesses a positive attitude and enthusiasm towards customer interactions, job duties and work performance. Is approachable, warm, friendly and open-minded. Is capable of adjusting communication style to effectively interact with both internal and external client.

Experience/Education:

• 10+ years of SBA lending experience is required to be considered for this position
• 5+ years of experience in Supervisory/Managerial expertise
• BA or BS Degree in Business, Finance, Accounting or related field is required
• Ability to read, analyze, and interpret financial statements and legal documents
• Strong financial analytical and underwriting skills
• Excellent interpersonal and communication skills
• Ability to lead the SBA lending team to meet production standards and portfolio management
• Strong decision-making skills
• Proficient in Microsoft Word and Excel

Northfield Bank is an Equal Employment Opportunity Employer
Minorities/Females/Protected Veterans/Individual with Disabilities/Sexual Orientation/Gender Identity