SBA Business Development Officer 2

F.N.B. Corporation•Berwyn, PA

About The Position

The SBA Business Development Officer generates $6–12 million in loan volume and $450,000 in revenue using SBA loan products. The role involves continuous marketing to build and maintain a substantial network of referral sources, identifying eligible opportunities, winning deals, and preparing complete application packages for Credit. The officer works closely with Credit and Closing partners to obtain approvals and complete loans promptly, and must understand SBF Credit Policies and Processes and SBF Closing Processes, with working knowledge of SBA SOP. The officer manages opportunities from initial referral through closing: evaluating borrower information, structuring financing, collecting and organizing application documentation, coordinating credit decisions, communicating with borrowers and partners, and assisting with closing requirements. The position also requires maintaining accurate pipeline information, participating in sales and management meetings and training, and staying current on SBA and internal policy changes. Employees are accountable for identifying, reporting, managing, and monitoring risk and complying with applicable laws and company procedures.

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.
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 proficiency in Microsoft Excel and Microsoft Word.
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.
Must be legally authorized to work in the United States; employment-based visa sponsorship is not provided.

Nice To Haves

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

Responsibilities

Market through available resources to develop and grow external and internal referral networks, maintain a database of at least 1,000 referral sources, meet regularly with primary referral sources, hold sales meetings, and participate in 2–3 business-related groups in the market.
Review and interpret tax returns, financial statements, business plans, and other information to assess whether opportunities meet or exceed SBF credit standards.
Structure financing options, obtain borrower approval, issue proposals, secure accepted proposals with a deposit, and begin the full application process.
Collect documents listed on the Credit Submission Checklist; organize materials in nCino and other systems; complete the BDO Loan Summary; and submit applications to Credit through nCino.
Consult and coordinate with Credit Partners through the application and credit-decision process; review and 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 the Preliminary Closing Checklist to borrowers during the credit process so closing items are available upon approval.
Participate in internal handoff calls and closing calls with the closer, borrower, and attorneys; ensure third-party reports are ordered promptly; review nCino reports and weekly Closing Checklist updates; and help borrowers provide closing materials to the closer.
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 calls with management.
Stay current on changes to SBA SOP, SBA Information Notices, and SBF Credit Policies; accurately maintain loan pipeline information in nCino; and provide required management reports.
Serve as a risk manager by understanding, reporting, responding to, managing, and monitoring risks encountered in daily work, and comply with regulatory requirements and company procedures.
Perform other related duties and projects as assigned.