SBA Business Development Officer

Merchants & Marine Bank•Atlanta, GA

1d•Remote

About The Position

Voyager Lending, a division of TownBridge Bank, is seeking an experienced, results-driven SBA Business Development Officer to develop lending opportunities and market financing solutions to SBA-eligible small businesses. The role focuses on building relationships with borrowers and referral partners, originating and structuring SBA 7(a) and USDA loans, obtaining complete financial packages, and collaborating with credit and operations teams to move qualified opportunities from prospecting through approval and funding. The ideal candidate combines business-development skills, sound credit judgment, knowledge of SBA lending requirements, and a commitment to client service. The position is remote. Candidates must be authorized to work in the United States without current or future company sponsorship and reside within the geographic footprint of the company's operating locations. The role is full-time and exempt.

Requirements

Prior experience in SBA lending, commercial lending, business banking, or financial-services business development is strongly preferred.
Demonstrated experience developing referral relationships and generating new lending opportunities.
Working knowledge of financial statements, business cash flow, debt-service capacity, and commercial credit analysis.
Strong sales, prospecting, relationship-management, and negotiation skills.
Ability to independently develop and manage a pipeline of qualified lending opportunities.
Strong analytical and critical-thinking skills, including the ability to formulate and support credit recommendations.
Ability to communicate lending structures, requirements, and decisions effectively to borrowers and referral partners.
Strong organizational skills and ability to manage multiple transactions and deadlines simultaneously.
Excellent written and verbal communication skills.
Ability to collaborate effectively with underwriting, credit, closing, operations, and compliance partners.
Strong attention to detail and commitment to accurate documentation.
Working knowledge of SBA lending regulations and procedures, or ability to develop advanced knowledge quickly.
Authorization to work in the United States without current or future company sponsorship.
Residence within the geographic footprint of the company's operating locations.

Nice To Haves

Bachelor's degree in business, finance, accounting, economics, or a related field.
Experience originating SBA 7(a), USDA, or other government-guaranteed loans.

Responsibilities

Develop new business opportunities and generate fee and loan income in line with individual and company production goals.
Prospect, market, structure, and originate SBA 7(a) and USDA loans.
Develop and maintain referral relationships with business brokers, commercial real estate professionals, CPAs, attorneys, financial advisors, and other professionals serving small-business owners.
Build long-term relationships with prospective and existing borrowers through responsive, consultative service.
Identify additional business opportunities and make appropriate referrals to internal partners.
Maintain knowledge of the company's products, competitors, market conditions, and competitive lending solutions, and communicate the company's value proposition.
Obtain complete financial packages and prepare loan submission packages for credit analysis.
Follow up with borrowers to obtain documentation, financial information, or clarification needed for timely loan decisions.
Evaluate transactions using sound business and credit judgment and support credit recommendations.
Collaborate with credit, underwriting, closing, and operations teams throughout the loan process.
Communicate approved loan terms to borrowers, obtain required documentation and signatures, and facilitate transactions toward closing and funding.
Negotiate loan terms while balancing borrower needs, credit risk, regulatory requirements, and company objectives.
Maintain current knowledge of SBA lending programs, applicable SBA Standard Operating Procedures, federal regulations, and regulatory developments affecting SBA and government-guaranteed lending.
Perform assigned responsibilities in accordance with company policies and procedures and applicable state and federal laws and regulations.
Maintain understanding of applicable BSA, AML, USA PATRIOT Act, and OFAC responsibilities; complete required compliance training and follow reporting and escalation procedures.
Support the company's commitment to equal employment opportunity and a professional workplace free from discrimination and harassment.