SBA Commercial Lender

TD • Vienna, VA

8d • $115,440 - $173,160

About The Position

The SBA Commercial Lender serves large and complex business portfolios, customizing products and services to address customers’ financial needs. The role acquires, develops, and manages commercial banking relationships, provides tailored financial solutions, and grows the portfolio by developing business with both existing and new customers. As a trusted advisor, the lender understands each customer’s operating environment and structures practical, competitive financing, cash management, and other business solutions.

This is a highly seasoned professional role requiring substantial expertise in a customer segment or product line. The lender originates and monitors larger loans with moderate to complex credit needs, manages strategic accounts and significant business-development opportunities, and may lead efforts to resolve complex problems or develop new solutions. The role works autonomously as a lead, influences customers and stakeholders, and guides colleagues within their area of expertise.

The position is based in Vienna, Virginia. The listed hours are 40, and the salary range is $115,440–$173,160 USD. The role requires experience with SBA 7(a) and SBA 504 lending, an undergraduate degree, and at least seven years of relevant experience.

Requirements

• Undergraduate degree.
• At least 7 years of relevant experience.
• Experience in SBA 7(a) and SBA 504 lending.
• In-depth understanding of the commercial industry, business-development techniques, and credit decisions.
• Proven business-development track record and ability to conceptualize and implement effective new-business strategies.
• Extensive network of outside referral sources for new business.
• Excellent credit and financial-analysis skills.
• Effective negotiation skills.

Responsibilities

• Grow loan, deposit, and fee goals individually and as part of the team by developing new customer relationships, cross-selling to existing customers, and using an established network of resources.
• Make sales calls and coordinate calling efforts; gather financial and business information and coordinate analyses needed for credit decisions.
• Evaluate credit risk and other relevant factors, contribute recommendations to loan decisions, negotiate terms and conditions, and communicate credit decisions as authorized by policy and credit approval.
• Manage all aspects of relationships for an assigned portfolio, segment, or geography, and develop retention plans for portfolio deposits and loans within the territory.
• Deliver customer service and act as a trusted advisor by identifying customer needs and providing suitable products and solutions for financing, cash management, and broader business requirements.
• Use sales platforms to build knowledge of customers, prospects, industries, and markets; monitor economic and business-environment changes and establish action plans for customer issues and priorities.
• Generate referrals to internal business partners and identify opportunities that address customers’ comprehensive financial needs.
• Develop community relationships and participate in civic and professional organizations and networking events.
• Develop and execute sales and business-development strategies to attract, acquire, and retain customers, sales opportunities, and referrals; review results and adjust tactics.
• Promote the bank’s products, services, and capabilities, and assess credit requests to recommend appropriate credit structures.
• Contribute to credit applications through risk assessment, credit structuring, due diligence, and credit presentations.
• Support operational excellence and timely, accurate completion of business processes; protect organizational interests by identifying, managing, and escalating risks as appropriate.
• Ensure documentation accurately reflects client and business intentions and complies with applicable rules and regulations; complete due diligence supporting customer transactions and activities.
• Identify and participate in process improvements; manage relationships across business lines and control functions; participate as a subject-matter expert in enterprise initiatives.
• Keep informed about emerging issues, trends, and regulatory requirements, and maintain risk-management and conduct standards consistent with the bank’s risk appetite and Code of Conduct.
• Participate as a team member, communicate project and day-to-day updates, share expertise and best practices, and contribute to team development through mentorship and knowledge transfer.
• Develop productive relationships with internal and external partners, contribute to a fair and positive workplace, and represent the business area and bank as a brand ambassador.
• Travel domestically occasionally; perform sedentary work and operate standard office equipment continuously.

Benefits

• Health and well-being benefits
• Savings and retirement programs
• Paid time off, including Vacation PTO, Flex PTO, and Holiday PTO
• Banking benefits and discounts
• Career development
• Reward and recognition
• Training and onboarding
• Online learning platform and mentoring programs
• Variable compensation or incentive awards, including possible cash and/or equity awards through an incentive plan

What This Job Offers

• Job Type: Full-time
• Career Level: Senior