Director Small Business Manager

Responsibilities include working with the AVP of Commercial Services in planning, organizing, scheduling, and directing the activities of the Small Business Department.  Assist in overseeing small business functions including loan and deposit business accounts, loan requests and processing, and related collections activities.  Assist in monitoring the business loan portfolio.  Aid in developing, modifying, and  implementing departmental policies and procedures.  Ensures that Small Business Service activities are conducted in accordance with established standards.  Support in training, coordinating, and developing Small Business Services personnel. Ensures that Small Business Services are delivered professionally and efficiently.  Develops deposit programs and offerings for small business clients to promote credit union membership.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Assumes responsibility for the development and implementation of effective Business Services Department policies, procedures, and planning.

a. Assists the Assistant Vice President of the Commercial department in developing short and long-term goals for the Business Services Department.  Provides, suggest and implements recommendations.

b. Assists in developing policies, procedures, and standards for Business Services operations. Conducts periodic reviews of existing policies and procedures to ensure that they are effective and current.

c. Executes established operational goals and ensures that corporate-wide plans and programs are complemented and supported.

d. Manages FICS servicing software and staff.  Ensures servicing of MBL’s are compliant and up-to-date.

e. Maintains strong working knowledge of SBA offered loan products and services.

2. Assumes responsibility for the effective administration of Business Services functions.

a. Manages and evaluates work quality, efficiency, and productivity.  Ensures that completed work is of the highest quality. Provides suggestions for improved service delivery and business portfolio management. Seeks new methods to accomplish departmental tasks.

b. Tracks work flow. Ensures that deadlines are kept and records and loan documentation are complete and accurate.  Oversees the compilation of monthly small business reports.

c. Coordinates, schedules, and directs Small Business activities. Schedules training and ensures adequate personnel coverage.  Oversees all Small Business projects.

d. Ensures that Department functions are completed in accordance with established policies, procedures, program requirements, and related legal standards.

e. Ensures the integrity and accuracy of all loan and account documents. 

3. Assumes responsibility for the effective performance of Business Services functions.

a. Meets with and interviews potential borrowers to consider loan requests. Discusses loan programs, alternatives, credit criteria, interest rates, etc.

b. Evaluates loan requests for possible consideration by the Loan Committee.  Prepare written analysis of each loan request.  Presents loan proposals to Loan Committee for consideration.  

c. Help in overseeing all collections and foreclosure activities.  Assist in litigation relating to the loan portfolio.

d. Conducts periodic property inspections of loan portfolio properties.

e. Assist in negotiating leases, listing agreements, and purchase agreements.

4. Aid AVP of Business Services in ensuring optimal performance of employees completing business services.

a. Provides leadership to Branch Level personnel through effective objective setting, delegation, and communication.  Help communicate updated MBL policy and procedural changes to credit union employees.  Discusses areas needing improvement and encourage employee suggestions and ideas.

b. Ensures that credit union branch personnel are well trained, effective, and optimally utilized.  Identify training needs and develops appropriate training programs.  Under the direction of the AVP of Business Services conducts training sessions and cross-trains as appropriate.

c. Audits business services (loans and accounts procedures) to make sure policies and procedures are correctly identified and followed as outlined.

d. Provide feedback concerning employee performance in regards to all business services.  Assist in improving credit union employee knowledge and capability in completing business services for members.

e. Assists and supports Business Services personnel as needed.

5. Assumes responsibility for ensuring that professional business relations exist with members and business professionals.

a. Represents the Credit Union in contacts with business professionals and borrowers. 

b. Ensures that requests, questions, and problems are courteously and professionally resolved.

c. Ensures that borrowers are appropriately informed of Credit Union services, programs, and policies.

d. Ensures that the Credit Union's professional reputation is maintained both internally and externally.

6. Assumes responsibility for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.

a. Assists and serves branches and related departments as needed.

b. Keeps the Assistant Vice President of Commercial informed of area activities and of any significant problems.

c. Completes reports, records, and other documentation as required.

d. Attends and participates in meetings and committees as required.  Serves as a member of the Business Loan Committee.

7. Assumes responsibility for related duties as required or assigned.

a. Stays abreast of changes in the business services field.

b. Completes special projects as assigned.

c. Ensures that work area is clean, secure, and well maintained.

d. Works a regular and predictable schedule. 

e. Must be sufficiently fluent in English to process work and business transactions. 

PERFORMANCE MEASUREMENTS

1. Department functions are effectively and efficiently completed in accordance with established Credit Union policies, procedures, standards, and related program and legal requirements.  Safe and sound lending practices are maintained.

2. Service and quality goals are met.  Suggestions for improved service are developed and implemented.  The integrity of the loan portfolio is maintained.

3. Department policies and procedures are regularly reviewed and modified as needed.  Appropriate Departmental and employee goals are formulated.

4. Loan documents, account records, and related files are complete, accurate, and timely.

5. Department personnel are well trained, effective, efficiently utilized, and well supervised.  Assistance is provided as needed.

6. Professional business relations exist with members and external business contacts.  Questions and problems are promptly and courteously resolved.  Assistance is provided as needed.

7. Effective working relations exist with Credit Union personnel and with management.  Assistance is provided as needed. Management is appropriately informed.

QUALIFICATIONS

EDUCATION/CERTIFICATION: College degree in business, finance, or a related field; or equivalent experience.

REQUIRED KNOWLEDGE: Thorough understanding of small business services (loans and operations).

Complete knowledge of business lending requirements, and documentation.

Understanding of collections procedures and related legal actions.

Familiarity with account operations.

Understanding of commercial lending and operations.

Thorough understanding of loan documentation and closing.

EXPERIENCE REQUIRED: Minimum of four years of related experience.

Supervisory experience very helpful.

Experience in business accounts and lending.

Experience with the foreclosure process and related litigation.

SKILLS/ABILITIES: Strong leadership and supervisory skills.

Excellent financial analysis abilities.

Solid communication and negotiation abilities.

Strong public relations skills.

Able to use all related computer applications and business machines.

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

TALKING: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.

REPETITIVE MOTION: Movements frequently and regularly required using the wrists, hands, and/or fingers.

AVERAGE VISUAL ABILITIES: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

PHYSICAL STRENGTH: Sedentary work; sitting most of the time.  Exerts up to 10 lbs. of force occasionally.  (Almost all office jobs.)

WORKING CONDITIONS

NONE: No hazardous or significantly unpleasant conditions (such as in a typical office).

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

REASONING ABILITY: Ability to apply logical or scientific thinking to define problems, collect data, establish facts, and draw conclusions.

Able to interpret a variety of technical instructions and can deal with multiple variables.

MATHEMATICS ABILITY: Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage.

Able to perform very simple algebra.

LANGUAGE ABILITY: Ability to read periodicals, journals, manuals, dictionaries, thesauruses, and encyclopedias.

Ability to prepare business letters, proposals, summaries, and reports using prescribed format and conforming to all rules of punctuation, grammar, diction, and style.

Ability to conduct training, communicate at panel discussions and to make professional presentations.

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected.  They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions.  Well constructed job descriptions are an integral part of any effective compensation system.  

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded.  Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions.  In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive.  Additional functions and requirements may be assigned by supervisors as deemed appropriate.  

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals.  However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts.  The organization maintains its status as an at-will employer.  Employees can be terminated for any reason not prohibited by law.