Job description

First Savings Financial Group, Inc. is the holding company for First Savings Bank. First Savings Bank has sixteen offices in the Indiana communities of Clarksville, Jeffersonville, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, English, Leavenworth, Marengo, Montgomery, Odon and Salem. Our mission is to create a higher quality of life for our customers, our employees, our community and our shareholders. We are committed to building customer relationships, conducting business with integrity, providing the best customer service and we count on our employees to deliver that outstanding service. We encourage an environment that supports teamwork, collaboration and cooperation. Career opportunities are available to individuals who want to be a part of our continued success and we value a diverse workforce. We also provide an excellent benefit package.

Equal Opportunity Employer Minorities, Women, Disabilities, Veterans

Responsible for complete and thorough credit analysis and SBA program eligibility review on SBA loan requests. Approves or declines loan requests within designated authority and provides complete and accurate loan presentations to support credit decisions on loans outside of designated authority.

Specific Job Functions:Review application documents to understand the nature of loan requests
Spread financials into templates to determine cash flow and potential repayment ability of the prospective borrower
Pull, review and analyze all relevant third party and due diligence reports and searches.
Generate initial questions and timely requests for missing documents to customer and TORCH Relationship Officer to complete the Credit Approval Memo
Provide input regarding loan structure as necessary
Clearly communicate all relevant and necessary information to customer and TORCH Relationship Officer to facilitate the gathering of all information and required items, as well as keep the TORCH team informed as needed.
Complete the Credit Approval Memo narrative write-up, integrating and detailing all relevant information to provide an accurate picture of the transaction’s strengths and weaknesses
Effectively manage time and priorities to meet deadlines, dealing with multiple loan requests simultaneously in a time-sensitive environment
Provide completed Credit Approval Memos to the appropriate level of credit authority in a timely manner
Support closing department with document review; prepare relevant change memos
Provide assistance to servicing and portfolio management teams on advanced servicing issues and credit related matters, as needed
Maintain a thorough understanding of lending policy as well as SBA SOP and eligibility requirements
Must be actively compliant with all relevant regulations and compliance requirements, including completing required compliance training in a timely manner
Perform such other duties as may be assigned or requested to support the TORCH and FSB Small Business Lending Teams
Maintains a positive attitude and values teamwork

Requirements

Minimum of 3 years’ experience working in commercial credit underwriting and/or SBA 7a, Express or USDA government guaranteed loan programs
Critical thinking, problem solving, and excellent written and verbal communication skills
Strong communicator with a customer service focus; able to favorably represent the bank and its vision to internal and external partners.
Ability to manage an active pipeline of loans in various stages with a focus on accuracy and a sense of urgency to meet required turnaround times
May involve some leadership responsibilities
Finance / Accounting or other relevant degree preferred
Excellent computer skills and ability to use various systems including, Excel, Word, Outlook, including ability to learn various internal bank programs

Job Types: Full-time, Part-time

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Tuition reimbursement
• Vision insurance

Schedule:

• Monday to Friday

Education:

• Bachelor's (Preferred)

Experience:

• Commercial Credit Underwriting or comparable: 3 years (Preferred)

Work Location: Remote

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