SBA Quality Control Analyst

At Pinnacle, our goal is to create an atmosphere where people become fully engaged, enjoy what they're doing and be successful. We work to ensure that every associate embraces what makes Pinnacle different and unique. For us, it starts with hiring the right people.

• We hire like-minded individuals who share our values of Integrity, Fairness, Learning, Results, Partnership, Balance, and Discipline.
• We hire experienced professionals who understand the industry and provide effective advice.
• We hire candidates who demonstrate a passion for client service. People who understand that distinctive service is more than smiling and being friendly - it's about creating a client experience that is unmatched.

But attracting the right people is only half the battle. We have to ensure that every associate understands their actions affect the outcomes of the firm. Our Position Descriptions are not designed to list every aspect of a position but to serve as a general overview.

SUMMARY OF POSITION:

A Small Business Administration (SBA) Quality Control Analyst should demonstrate commitment to delivering distinctive service. This position will be responsible for ensuring SBA Lending's compliance with SBA, USDA, and other governing regulations by identifying risks and reporting findings both pre- and post-close. The position will oversee the firm's compliance with SBA, USDA, and financial industry regulations, with a focus on retaining the guarantee or participation of the Federal agency.

PRIMARY RESPONSIBILITIES:

• Provide distinctive service to clients and prospects, in person and over the telephone. Respond to client inquiries and satisfactorily resolve client issues. Support firm-wide achievement of the three-ring standard (all phones answered by a live person within three rings).
• Adhere to and comply with Bank policies, procedures, applicable state and federal laws, and regulatory guidance.
• Complete all required job-related banking regulatory and compliance training.
• Work with client-facing associates who manage the day-to-day relationship when local contacts are required to achieve the desired results.
• Provide data to produce routine and special reports.
• Identify key risks and mitigate for the SBA Lending portfolio.
• Resolve issues and problems through collaboration with other associates and external resources, as necessary.
• Perform duties specific to either post-closing compliance or portfolio monitoring and client servicing, as assigned.
• Engage with all areas of SBA lending regarding quality control of the portfolio throughout the review process, ensuring compliance with SBA policy and government regulation.
• Perform pre-close and post-close reviews, as assigned, within an agreed upon timeline. Review and report on SBA application documents/authorizations for completeness, accuracy, and compliance with the SBA Standard Operating Procedures (SOP) and the firm's policies and procedures.
• Identify errors requiring document changes needed to protect the firm's legal rights and/or the agency guarantee and may provide guidance on remediation of compliance findings to assure compliance with government regulation as well as accomplish greater alignment of the teams.
• Communicate file review findings to SBA Closing Advisors and/or Attorneys, ensuring necessary pre- and post-closing documentation is obtained in order to clear internal findings and maintain the loans compliance with internal and external bank and SBA regulations.
• Perform PCFS quality control reviews prior to loan boarding into the PCFS core system. (PCFS)
• Enter pre- and post- close findings, collateral exceptions, and other noted issues for reporting purposes.
• Update PCFS Loan Manager collateral tickler system for collateral exception mitigations from pre-close, and post-close, special asset requirements
• Perform other reviews and provide technical support as requested to Special Assets associates, which include reviews prior to guaranty purchase, construction issues, problem loan management, and other duties as assigned.
• Remain current and knowledgeable of the 7A, 504 and USDA regulations and any changes in the program.
• Meet all the client's financial needs, both business and personal, and refer clients to other specialty areas such as Trust, Investments, Insurance, Treasury Management, etc. as appropriate.
• Assist other team members as needed to ensure delivery of distinctive service.
• Perform other related duties and responsibilities as assigned.

DESCRIPTION OF EXPERIENCE, EDUCATION, AND TRAINING:

• High School Diploma or Equivalent required.
• Minimum of 10 years' experience in financial services.
• Proficient in Microsoft Office (Word, Excel, and PowerPoint) or related software.
• Knowledge of SBA Standard Operating Procedures (SOP).
• Broad knowledge of bank products and services.
• Knowledge of federal and state banking regulations and compliance requirements as it relates to aspects of lending and loan transaction processing including any internal audit requirements.

DESCRIPTION OF CAPABILITIES, PHYSICAL REQUIREMENTS, AND ABILITIES:

• Excellent interpersonal skills, including verbal and written communication skills.
• Effective analytical skills with a strong attention to detail.
• Ability to work independently and prioritize daily tasks.
• Excellent client service skills. Tact and diplomacy in dealing with both clients and associates.
• The physical activities of this job include but are not limited to the ability to stand and sit for prolonged periods of time, use of manual dexterity, verbal communication, visual acuity, repetitive motion, and the ability to hear. Often long periods of mental concentration are required. Other activities are the ability to bend, climb, balance, stoop, kneel, crouch, reach, walk, push, pull, lift, and grasp.

POSITION STATUS: EXEMPT

DATE: 02.15.2023

Pinnacle is an Equal Opportunity and Affirmative Action Employer committed to supporting a culture of inclusivity that builds a diverse workforce so we can support the many different communities we serve. All otherwise qualified associates and applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender expression and/or identity, national origin, age (40 and over), genetic information, disability, protected military or veteran status, pregnancy or pregnancy-related conditions, or other status protected by law.