SBA Lending Director

Carter Bank•Greensboro, NC

22h•Onsite

About The Position

The SBA Lending Director will architect, launch, and scale the institution’s SBA 7(a) lending program from inception. Operating as a strategic "player-coach," this leader will build out operational workflows, establish rigorous credit standards, and recruit a high-performing team to drive C&I growth across the Southeast. The SBA Lending Director owns the division’s P&L and secondary market strategy while ensuring regulatory compliance and portfolio health.

Requirements

Bachelor’s degree in business, finance, accounting or related field required
Significant prior SBA 7(a) lending experience, with previous experience in a senior production or leadership capacity
Advanced understanding of SBA program mechanics
Advanced understanding of both front-office production and back-office operations (underwriting, closing, servicing)
Advanced knowledge of loan structuring terms and conditions
Advanced knowledge of statistical analysis
Intermediate knowledge of SBA 7(a) rules and regulations
Intermediate portfolio management skills
Intermediate strategic planning skills
Intermediate understanding of credit underwriting
Intermediate leadership skills
Intermediate proficiency with core loan accounting and loan origination systems
Intermediate proficiency with Microsoft Office

Nice To Haves

Prior experience in operational infrastructure development, including credit policy, compliance frameworks, or loan servicing buildouts preferred
Experience operating in both secondary market and portfolio (held) loan models preferred

Responsibilities

Design and implement an SBA 7(a) lending program from inception, including policies, credit standards, operational workflows, and production targets
Lead, recruit, and develop a team of SBA Business Development Officers, underwriters, closers, and support professionals
Own the division’s P&L, origination goals, and portfolio quality metrics
Serve as the institution’s internal subject matter expert on government-guaranteed lending for executive leadership, credit committee, and the board
Build a multi-year business plan with volume projections, staffing models, and income forecasts
Maintain a personal production portfolio as a player-coach while building and scaling team volume
Develop and manage referral relationships with centers of influence, brokers, and strategic partners across the Southeast
Drive SBA 7(a) origination volume consistent with the institution’s C&I growth objectives
Manage the division’s secondary market execution strategy, including relationships with SBA loan buyers and decisions on held vs. sold loan portfolios
Establish the division’s credit process, underwriting standards, and closing protocols in coordination with senior credit leadership
Ensure full SBA regulatory compliance, SOPs, and audit readiness across the lending lifecycle
Oversee portfolio performance including special assets, servicing, and default management
Partner with loan operations, compliance, and finance teams to build scalable back-office infrastructure