SBA Development Officer - Potential Signing Bonus up to $20K

U.S. Bank • Houston, TX

6d • $105,400 - $124,000 • Hybrid

About The Position

We’re looking for a high‑impact business development professional who thrives on building relationships, opening doors, and creating opportunity through Small Business Administration (SBA) lending—with a strong emphasis on owner‑occupied commercial real estate financing. This role is built for someone who enjoys being out in the market, developing Centers of Influence (COIs), and serving as a trusted advisor to business owners, referral partners, and internal stakeholders. More than 80% of your time will be spent on external sales, relationship development, and market presence.

Requirements

• Bachelor’s degree, or equivalent work experience
• Five to eight years of commercial credit, relationship banking or other job‑related experience

Nice To Haves

• Demonstrated success in business development, B2B sales, and relationship‑driven revenue growth, ideally within financial services or commercial lending
• Proven ability to build, manage, and leverage Centers of Influence (COIs) such as real estate professionals, CPAs, attorneys, brokers, and community leaders
• Strong understanding of SBA lending products and SBA Standard Operating Procedures (SOP), with the ability to confidently guide customers and partners through the process
• Consultative sales mindset with the ability to identify client needs, structure solutions, and position value, not just products
• Strong credit, financial analysis, and deal‑structuring skills, with sound judgment around credit quality and risk
• Ability to independently manage a robust external sales pipeline while coordinating effectively with internal partners
• Excellent presentation, verbal, and written communication skills, with comfort engaging business owners, referral partners, and internal stakeholders at all levels
• Highly developed analytical, problem‑solving, and prioritization skills in a fast‑paced, goal‑driven environment

Responsibilities

• Develop and originate SBA loan opportunities by proactively building a strong pipeline through COIs, referral partners, cold outreach, and existing relationships.
• Serve as a consultative partner to business owners by meeting them at their place of business to understand operations, goals, and financing needs—particularly related to owner‑occupied commercial real estate.
• Build, deepen, and maintain profitable specialty finance relationships with new and existing customers.
• Represent U.S. Bank in the market by actively participating in civic, community, and business events to strengthen the Bank’s brand and generate new business opportunities.
• Partner closely with Business Banking, Community, and Commercial teams to exchange leads, align on strategy, and exceed shared growth objectives.
• Own the SBA lending process end‑to‑end, including: Origination and structuring of SBA loan requests, Gathering and analyzing financial and credit information, Developing complete SBA loan packages and submitting to the SBA processing center, Delivering commitment letters, reviewing program details, and supporting loan closings.
• Contribute to portfolio growth by originating high‑quality SBA applications aligned with credit standards and business strategy.
• Proactively deepen relationships by identifying additional customer needs and referring opportunities to other U.S. Bank partners and solutions.

Benefits

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

What This Job Offers

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