SBA Business Development Officer 2

First National Bank Of Pennsylvania•Berwyn, PA

About The Position

The SBA Business Development Officer 2 generates $6–12 million in loan volume and $450,000 in revenue using SBA loan products. The role continuously markets to develop and maintain a substantial network of referral sources, identifies eligible opportunities, wins deals, and develops complete application packages for Credit. The officer works closely with Credit and Closing partners to secure approvals and close loans promptly, and is expected to understand SBF Credit Policies and Processes and SBF Closing Processes, as well as have working knowledge of SBA SOP. The position is part of Commercial Banking and reports to the SBA Senior Sales Manager. Employees are responsible for managing and monitoring business risks and complying with regulatory requirements and company procedures. The position requires frequent driving. F.N.B. Corporation does not provide employment-based visa sponsorship; applicants must be legally authorized to work in the United States.

Requirements

At least 5 years of job-related experience.
BA or BS, or a combination of education and equivalent experience may be considered.
Excellent written and verbal communication skills.
Excellent organizational, analytical, and interpersonal skills.
Detail-oriented, with the ability to work and multitask in a fast-paced environment.
Ability to use a personal computer and job-related software.
Excellent project management skills.
Intermediate-level Microsoft Excel and Microsoft Word skills.
Self-discipline in time management and work habits, and ability to work effectively without supervision to achieve assigned goals.
Valid driver's license.
Frequent driving by car, van, or truck is required.

Nice To Haves

Experience in banking-related external sales.
Experience with SBA.

Responsibilities

Market using available resources to develop and grow external and internal referral networks, with a target of at least 1,000 referral sources in the database for email, LinkedIn, and other marketing.
Meet regularly with primary referral sources, hold sales meetings, and actively participate in 2–3 business-related groups in the market.
Read and interpret tax returns, financial statements, business plans, and other information to determine whether opportunities meet or exceed SBF credit standards.
Structure financing options to meet borrower needs and secure borrower approval; issue proposals, obtain acceptance and deposit, and begin the full application process.
Collect documents and information on the Credit Submission Checklist, organize them in nCino and other systems, and complete the BDO Loan Summary.
Consult with Credit partners, submit applications to Credit through nCino, work toward a credit decision, deliver commitments to borrowers, and return required deposits to Credit.
Communicate with internal partners, borrowers, and referral sources throughout the loan process to maintain transparency and manage expectations.
Deliver a Preliminary Closing Checklist to the borrower during the credit process and help ensure closing items are available when approval is received.
Participate in internal handoff calls and closing calls with the closer, borrower, and attorneys.
Ensure third-party reports are ordered in a timely manner; review nCino reports and weekly Closing Checklist updates; and help borrowers deliver checklist items to the closer promptly.
Assist with closing loans as needed to achieve goals.
Attend and actively participate in sales meetings, trainings, weekly pipeline calls, and weekly one-on-one management calls.
Stay current on changes to SBA SOP, SBA Information Notices, and SBF Credit Policies.
Maintain accurate loan pipeline information in nCino and provide required management reports.
Perform other related duties and projects as assigned.
Understand, report, respond to, manage, and monitor business risks in accordance with F.N.B. Corporation’s risk management program.
Comply with regulatory laws and company procedures.