Regional Director of SBA Lending

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About Provide:

Powered by Fifth Third Bank, Provide is on a mission to financially empower small businesses with great people and innovative technology. Provide offers an unmatched combination of industry expertise, personalized service, and customized financial products - enabling entrepreneurs to achieve their ownership dreams, realize financial independence, and strengthen their communities. Founded in a one-bedroom San Francisco apartment in 2013, Provide was acquired by Fifth Third in 2021 and in 2023 was named one of Fast Company's Most Innovative Companies.

Our team is growing:

Provide's Sales team is looking for a bold, compassionate, and focused regional director of SBA lending to lead the origination and closing of government-guaranteed small business loans, sourced through their self-developed network of referral sources. In this role, you will focus on assisting customers in achieving their financial goals by providing smart financial solutions for business needs; serving as a trusted advisor by collaborating with a team of product partners utilizing the One Bank process to understand the customers' holistic business needs; and developing revenue growth by identifying needs and providing needs-based solutions and services to the client.

As a Provide and Fifth Third Bank team member, you will be responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. You will be accountable for always doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the risk appetites of Provide and Fifth Third Bank, you will be expected to achieve results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

A day in the life:

• Identify and develop qualified prospects for SBA loan products through centers of influence, such as business brokers, loan brokers, real estate brokers, CPAs, attorneys, and community development organizations
• Work directly with applicants to assess SBA eligibility and Fifth Third credit qualifications and collect required application information and documentation
• Ensure adherence to the SBA SOP and Fifth Third credit policy while keeping the customer at the center
• Work with product partners to analyze, evaluate, and develop a tailored relationship strategy for each client or prospect
• Attend community and/or specific industry forums, conferences, and/or meetings to broaden relationship networks and referral sources and continually deepen knowledge of trends, practices, services, and the competitive landscape
• Utilize the organization's value proposition to articulate the advantages of obtaining financing through a tech-enabled lender
• Effectively retain and grow long-term profitable client relationships
• Plan and conduct relationship-strategy and relationship-review meetings with product partners
• Coordinate client-facing activities, including credit support and other product partners
• Conduct thorough effective pre-call planning, One Bank consultative sales approach, and prompt post-call follow-up
• Partner with internal stakeholders on credit requests, and adhere to established portfolio management guidelines
• Monitor, on an ongoing basis, information concerning customer financial performance, condition, and industry trends to determine that any credit exposure is at an acceptable risk and priced accordingly
• Champion the organization's vision and core values through personal actions and leadership influence to promote high-performing work groups
• Complete administrative responsibilities in a timely manner

Our newest teammate will have:

• Extensive knowledge of U.S. Small Business Administration loan programs
• Minimum of five years of SBA sales experience
• Proven ability to build new and existing client business and provide a positive client experience
• Strong business acumen, including detailed analysis, review of financial statements, and understanding of basic accounting principles
• Ability to assess client needs, drivers of profitability, and corporate/personal lifecycle-optimizing financial solutions
• Effective problem-solving and analytical skills with the ability to handle and prioritize multiple tasks
• Demonstrated strong verbal and written communication skills, specifically experience in face-to-face negotiations and group presentations
• Proven ability to work in a team-based sales environment
• Proficiency in all Microsoft Office software

Bonus points for:

• Bachelor's degree in finance, economics, or mathematics
• Formalized basic credit training or equivalent credit risk experience
• Underwriting experience

At Fifth Third Bank, we understand the importance of rewarding our employees for their hard work and dedication, therefore, our Total Rewards offering includes a differentiated compensation package and comprehensive benefits.

Benefits:

Our benefits programs are designed to support the health, happiness, and financial well-being of our employees and their families. Your benefits will include access to comprehensive medical, dental, and vision coverage, a 401(k) plan and employee stock purchase plan that both offer a generous employer match, flexible paid time off, comprehensive leave programs, and unique benefits to support your overall mental and physical wellness. For additional details, please contact your recruiter.

Compensation:

Compensation for this position is largely incentive-based. Incentive compensation is combined with either a base salary or a draw to determine total cash compensation, and incentive compensation is based upon company, line of business and/or individual performance. More information can be obtained upon request.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.