BayFirst National Bank is a full-service community bank as well as a national SBA Lender dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve.
Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.
Responsibilities include but are not limited to:
Underwrite, process, and disclose Consumer Loan applications through thorough analysis of all qualifying criteria including; income, credit, assets and collateral, while adhering to regulatory guidelines and internal policies and procedures.
Essential Duties and Responsibilities:
-
Review and analyze loan applications and supporting documentation for underwriting decision.
-
Work directly with borrowers and internal team members to obtain documentation to process loan application requests while providing status updates.
-
Review application and pipeline requests for accuracy while adhering to service timelines and standards.
-
Assist applicant requests to fulfill analysis and compliance of all processes and documentation.
-
Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.
-
Commitment to teamwork.
-
Communication directly to the Borrower verbally as well as written as well as to internal partners.
-
Self-starter, positive attitude & ability to multi-task.
-
Work with team members and applicants for cross sell opportunities.
-
Communicate with external vendors and referral sources to process application requests.
-
Assist with resolutions to inquiries, loan exceptions or disputes.
-
Assist management with reporting and tracking of portfolio, as required.
-
Process and verify employment and all required documentation, as required.
-
Assist management with project implementation, as required.
-
Other duties as assigned by manager
Qualifications: *
-
Bachelor's degree in business related discipline preferred
-
Familiar with the Auto Finance industry, consumer credit, Heloc and Heloan trend analysis/analytics.
-
Minimum of two years’ experience in financial institution lending environment.
-
Experience and training in underwriting practices including income and credit analysis.
-
Ability to decipher and interpret financial statements, tax returns and credit documentation.
-
Requires flexibility in work schedule, evening hours and weekends may be required
-
Must demonstrate time management skills, highly detailed and organized.
-
Excellent oral and written communication skills required.
-
Must possess efficiencies in Excel, Word and lending system processes.
-
Working knowledge of regulatory guidelines pertaining to lending and Fair Credit practices.
-
Experience with Meridian Link/LoansPQ
BayFirst National Bank believes that diversity and inclusivity are essential to positive long-term success and achieving our strategic business goals. We are proud to be an Equal Opportunity Employer, and we encourage diverse and talented applicants to apply. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
#LI-BT1