SBA Loan Officer

First Financial Bank•Willow Park, TX

About The Position

The SBA Loan Officer originates, structures, underwrites, and executes complex SBA 7(a) and 504 lending transactions, including business acquisitions, partner buyouts, ownership transitions, owner-occupied commercial real estate, equipment financing, debt refinancing, and working capital facilities. The role applies commercial credit and underwriting expertise to assess financial performance, cash flow sustainability, debt service capacity, collateral, and transaction risk, while ensuring financing solutions align with bank credit policy and SBA requirements. The officer serves as an advisor to business owners, Relationship Managers, and referral partners, explaining credit, regulatory, and SBA requirements and developing practical financing strategies. The position leads transactions through opportunity assessment, pre-screening, analysis, underwriting, credit presentation, approval, documentation, and closing. It also supports Relationship Managers and credit partners with deal structuring, underwriting strategy, risk assessment, and client communication. The role helps originate new SBA loan business, develops internal and external leads, guides loan prospects, and works with the SBA Lending team to achieve loan closings and fundings. The officer promotes bank services and long-term customer relationships, participates in the bank’s Customer Service First sales and service culture, and follows organizational values, policies, and procedures.

Requirements

Business degree emphasizing accounting, finance, or marketing, together with credit training and/or at least 2 years of commercial lending experience; relevant work experience may substitute for the degree requirement.
Working knowledge of SBA loan products and the SBA’s Standard Operating Procedures.
Ability to analyze and understand business and personal financial statements and tax returns, and present a loan presentation to a committee.
Strong attention to detail and problem-solving skills.
Ability to prioritize and execute tasks in a fast-paced, deadline-driven environment.
Exceptional written and verbal communication skills.
Ability to contribute in a collaborative, team-oriented environment and work toward shared organizational goals.
Excellent customer service and interpersonal skills to understand and respond to customer needs and objectives.
Strong personal drive, initiative, and work ethic, with the ability to work independently and with limited supervision.
Proficiency in Microsoft Word, Excel, and related computer applications.

Nice To Haves

Formal credit training is preferred.

Responsibilities

Originate, structure, underwrite, and execute SBA 7(a) and 504 lending transactions.
Evaluate borrower financial performance, cash flow sustainability, debt service capacity, collateral adequacy, and transaction risk.
Develop financing strategies that support client objectives, mitigate risk, and align with bank credit policy and SBA requirements.
Lead transactions through opportunity assessment, pre-screening, financial analysis, underwriting, credit presentation, approval, documentation, and closing.
Collaborate with Relationship Managers and credit partners on deal structuring, underwriting strategy, risk assessment, and client communication.
Assist in originating new SBA loan business by working directly with Relationship Managers and their customers and prospects.
Develop new business through internal and external lead generation.
Guide loan prospects on SBA lending.
Work with the SBA Lending team to drive business, loan closings, and fundings.
Promote bank services to develop long-term customer relationships.
Participate in the Customer Service First sales and service culture and follow organizational values, policies, and procedures.