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Loan Officer - South Georgia Region

Employer
Access to Capital for Entrepreneurs
Location
Hybrid / Tifton Office and South GA Region consisting of 30 counties as well as from home as needed
Salary
Salary will depend on experience
Closing date
Jul 6, 2023

View more

Focus Areas
Philanthropy / Social Responsibility
Job Function
Accounting / Finance, Development / Fundraising
Position Type
Full Time
Degree Level
Bachelors
Willingness to Travel
up to 25%
Experience Level
Professional

Job Details

For over two decades, ACE l Access to Capital for Entrepreneurs has led the way in North Georgia by being a catalyst for entrepreneurial growth through financing and education, with a focus on women, people of color, and low to moderate-income business owners. We're excited to share that ACE is expanding their services to South Georgia and serving 30+ counties in our region. This expansion will make a positive impact lasting for generations to come.

As we grow, ACE is adding to our team, and we are currently seeking a commercial loan officer for South Georgia. The lender will be a member of our regional team as we help small businesses grow, thrive, and succeed

Job Summary:

The Commercial Loan Officer is responsible for developing new and existing relationships in order to meet loan growth goals for small business and commercial loans ($15K to $1M) in the South Georgia territory.  The Officer is the primary contact for applicants and clients throughout the process and their history with ACE. The Officer will be the point of contact for his/her applicants and loans in his/her portfolio. Bilingual / Bicultural Spanish is recommended but not required for this position.

Essential Duties & Responsibilities:

  • Originate quality loan applications to meet monthly and annual loan goals. 
  • Maintain a thorough knowledge of ACE products to identify candidates for those programs.
  • Market ACE products to individuals and companies, promoting services and products that would meet their needs. 
  • Provide meaningful customer service to applicants and clients. 
  • Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
  • Establish, nurture and maintain relationships with business leaders within the assigned communities including employees and supporters of area banks, chambers of commerce, business assistance organizations, etc. 
  • Meet with applicants and/or existing clients as needed to obtain information for loan applications and to answer questions about the process. 
  • Explain to applicants the different types of options that are available. Share ACE’s products with potential clients and how they can benefit from them. 
  • Determine a clear understanding of the loan request to verify that the request is eligible.   
  • Review loan closing documents prior to closing for accuracy and thoroughness. 
  • Provide post-closing assistance to clients to identify strengths and needs of the client’s business. 
  • Coordinate and attend loan closings and ensure that all documents are completed accurately at closing. 
  • Make denial calls to applicants who do not fit within the ACE lending guidelines, making sure to explain why the loan is unable to be approved at this time.  
  • Connect the applicant with appropriate business advisory services (TA) as per ACE’s procedures. 
  • Work with Chief Credit Officer who approves all credits, as requested.  
  • Responsible for all loans up to 30 days past due.
  • Review weekly past due report and comments should be provided /documented weekly as appropriate.  
  • Coordinate connections and communication with ACE Business Advisory Services (WBC/DCC/TA) and maintain tight follow-up with Business Advisory Services and client; identify any additional needs. 
  • Responsible for documenting all contact with applicants and clients in Salesforce. 
  • Assist Loan Ops with collection of outstanding financial ticklers and other tickler items as needed. 
  • Comply with ACE policies and lending procedures. 

Additional Responsibilities

  • Attend and present at events that will promote ACE. 
  • Participate in staff meetings, education, and marketing events as requested by Management. 
  • Perform other duties as assigned.

Minimum Qualifications & Skills:

  • Bachelor’s Degree or equivalent experience. 
  • 3 - 5 years of Business Lending or relatable financial services experience is preferred. 
  • Knowledge of the South Georgia markets is preferred. 
  • Must have proven experience and sound knowledge developing relationships within the field. 
  • Must have excellent written and verbal communication skills, both oral and written 
  • An individual in this position is required to interact regularly with all external parties such as banks, credit unions, realtors, business leaders, and closing agents etc., therefore outstanding interpersonal skills are a must. 
  • Ability to work independently, with minimal supervision at times. 
  • Ability to facilitate presentations to individuals and groups  Individual in the position must be performance driven and capable of training others. 
  • Must be able to demonstrate analytical thinking skills. 

Work environment and physical demands:

  • The job is performed in the field, indoors in a traditional office, and remote setting, hours flexible to include nights and weekends, as needed.
  • Using a computer while sitting for extended periods is common.
  • Must also be able to position self to maintain equipment, including under tables and desks.
  • The ability to remain in a stationary position roughly 50% of the time, as well as the ability to move about the office occasionally (accessing files/storage, office equipment, computers and other office productivity devices, attending meetings, etc.), is required.
  • No heavy lifting is expected, though occasional exertion of about 20 lbs. of force (e.g., picking up and carrying binders, laptops) may be required.
  • Good manual dexterity required to use common office equipment (e.g., computers, mobile devices, calculators, copiers, scanners).

Reports to: South Georgia Regional Director

Company

About ACE

Access to Capital for Entrepreneurs (ACE) is a growing organization that is focused on impact. So, what does that mean? Through capital, coaching and connections, ACE is growing small businesses by removing barriers to accessing capital.

Resilience. Perseverance. Adaptability. These are the strengths of small business owners in Georgia, those who dream big and drive our communities. Over the last year, in the face of historic challenges, ACE clients have continued to prove how resilient they are. Our investments in their aspirations help turn innovative ideas into reality and help build sustainable businesses that generate wealth and create jobs. Their successes represent a #RippleEffect through our neighborhoods, providing opportunity, stability and prosperity for so many.

  • Since the start of the pandemic, ACE has deployed $90+ million in capital, including PPP loans – more than half of our historical 22-year volume – to over 1300 businesses.
  • Our ACE Relief, Recovery and Reinvention program has provided $220,000 in grants and $3.77 million in loan forgiveness for a total of almost $4 million in relief since the pandemic started. In 2021-2022, our interest rate reduction programs provided $16 million in affordable loan capital to over 200 small businesses.

Why ACE?

ACE is the largest Georgia-based CDFI focused exclusively on small business. To be an ACEr is to believe that regardless of background, financial access and resources, doors should be open for everyone. We are a leading Community Development Financial Institution (CDFI) with an AERIS Four-Star impact rating. We are looking for a fund development team member to help us accelerate our work and growth. Our shop has grown extensively over the past three years. In 2021, we opened a Women’s Business Center serving the Savannah region and we are currently implementing a bold plan to extend our inclusive capital strategy to South Georgia, expanding our impact well beyond our current footprint in Atlanta and North Georgia.

 

 

 

 

Company info
Website
Telephone
678-335-5600
Location
3173 Hwy 129 North
Cleveland
GA
30528
US

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