Digital Lending Specialist (Hybrid)

About Byline Bank:
Headquartered in Chicago, Byline Bank is a full-service commercial bank serving small- and medium-sized businesses, financial sponsors and consumers. Byline Bank has approximately $9.6 billion in assets and operates 46 branch locations throughout the Chicago and Milwaukee metropolitan areas. Byline Bank offers a broad range of commercial and community banking products and services, including small-ticket equipment leasing solutions, and is one of the top Small Business Administration lenders in the United States according to the national SBA ranking by the U.S. Small Business Administration by volume FY2023. Byline Bank is a member of FDIC and an Equal Housing Lender.

At Byline Bank, we take pride in being an award-winning workplace. Some of our recent recognitions include:

• U.S. News & World Report named Byline Bank as one of the Best Companies to Work for in the Midwest in 2024-2025
• Best Workplaces in Illinois in 2024 by Best Companies Group and Illinois SHRM (Society for Human Resource Management)
• Forbes America’s Best Small Employers 2023

By joining our team, you will become part of an organization that values growth, collaboration, and innovation. We strive to create an environment where employees feel supported and are empowered to excel in their roles.

If you're looking for a career with a company that puts people first and makes a difference in the communities we serve, Byline Bank is the place for you.

The Digital Lending Specialist is responsible for owning the day-to-day activities of the Byline Express program including loan originations, renewals and following up on delinquent payments. The program includes overdraft protection loans, term loans, and lines of credit between $1,000 - $500,000 in revenue. The focus is on efficiently lending to existing customers while owning robust credit quality and standards.

Duties and Responsibilities:

• Own the Byline Express loan process and follow up with clients that fall behind on payments. Works directly with the Business Banker or Branch Manager assigned to the loan.
• Process and onboard new and existing customers for overdraft protection loans, term loans and lines of credit.
• Ensure required information is recorded in Numerated for overdraft protection loans, term loans and lines of credit. This includes a screenshot of the business filing on Cyberdrive, a copy of the signed 8821 and a copy of tax transcripts.
• Manage the maintenance of the Numerated loan platform by partnering with the vendor. This would include any system upgrades and/or maintenance that need to be performed and tested.
• Credit experience or be willing to do light underwriting of credit requests up to $500,000.
• Perform maintenance of the procedures and credit requirements related to the products offered.
• Oversees Byline Express reporting and functionality for new and existing compliance reporting such as Home Mortgage Disclosure Act (HMDA) and Fair Lending. Continued exploration of system optimization and accuracy.
• Ability to analyze data and present to middle and upper management the effectiveness of the portfolio
• Be able to search for solutions alone or work with others where appropriate. Can disseminate between resources available and efficiently chose what to deploy.
• Work with other Bank departments to close and payoff accounts when necessary.
• Partners with Marketing to optimize Byline Express performance through online campaigns, analytics, and other virtual methods.
• Partners with Learning & Development to conduct numerated system training and demos.
• Monitor line of credit maturities and complete renewals as needed.
• Monitor risk ratings of Numerated loans.
• All other duties as assigned.

Note: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Qualifications:

• Bachelor’s degree in business or equivalent professional experience.
• Minimum 5+ years of retail banking experience, with proven results over time.
• Proven desire and ability to coach and work with bank/branch partners.
• Knowledge of Federal and State regulations covering commercial banking activities.
• Formal Credit Training (Analysis of Business and Personal Tax Returns) preferred.
• Effective written and verbal communication skills.
• Proficiency with Microsoft Word and Excel and adequate keyboarding skills required.
• Must be extremely self-motivated team player.
• Ability to maintain the confidentiality of customer information.

Physical Demands/Work Environment:
Usual office environment with frequent sitting, walking, and standing, and occasional climbing, stooping, kneeling, crouching, crawling, and balancing. Frequent use of eye, hand, and finger coordination enabling the use of office equipment. Oral and auditory capacity enabling interpersonal communication as well as communication through automated devices.

At Byline Bank, we value work-life flexibility and support a hybrid work environment for this position. This role allows for a combination of remote and in-office work, with occasional visits to the office based on business needs. Specific in-office days may vary and will be discussed during the interview process.

Compensation & Benefits:
Byline Bank offers competitive industry rate salary bands with the goal of retaining and growing talented individuals. We regularly review and adjust our compensation structure as needed to ensure equity across teams and levels.

The salary range for this position is between $70,000 to $109,500.

In addition, Byline provides benefits including medical coverage, dental, vision, disability, 401k, paid time off and much more! Depending on the specific role, compensation may also include discretionary bonuses and other benefit programs. The actual compensation package may vary based on factors such as skill set, experience level, and candidate's location.

Additional Information:
Byline Bank is an Equal Opportunity Employment / Affirmative Action employer dedicated to providing an inclusive workplace where the unique differences of our employees are welcomed, respected, and valued. We are committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment.

All employment decisions at Byline Bank are based on business needs, job requirements and individual qualifications, without regard to race, color, religion or belief, national, social or ethnic origin, sex (including pregnancy), age, physical, mental or sensory disability, HIV Status, sexual orientation, gender identity and/or expression, marital, civil union or domestic partnership status, past or present military service, protected veteran status, family medical history or genetic information, family or parental status, or any other status protected by the laws or regulations in the locations where we operate.

Byline Bank will not tolerate discrimination or harassment based on any of these characteristics.

Byline Bank is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance or accommodations due to a disability, please contact us directly at 773-475-2900, Option #2.

If applying within the US, this role is not eligible for visa sponsorship now or in the future.

Note to Recruitment Agencies and Third-Party Recruiters:
Byline Bank kindly requests that third-party recruiters, staffing agencies, and recruitment firms refrain from submitting resumes or candidate profiles without a prior agreement in place. Any unsolicited submissions will be considered property of Byline Bank, and no fees will be paid for placements resulting from such submissions. We appreciate your understanding and cooperation.