SBA - Senior Business Development Officer
About The Position
At our Bank, we believe common sense is more than just banking. We believe in finding financial solutions that cater specifically to our client's needs. We are looking for talented associates who understand the complexities of life and will offer simple solutions that best fit the needs of our clients. If this is what you believe in, then you're definitely right for us. And, we might be the right bank for you. As a Senior Business Development Officer, you will identify and call SBA prospects and referrals in the footprint, including acquiring managing and growing profitable client relationships and working with other areas in the Bank. You will be responsible for a variety of tasks including business development, loan structuring, key issue identification and mitigation, development of credit presentations, presentation and client acceptance of term sheets and commitment letters, application completion, needs list items gathering, and loan closing. You will work with SBA products (7a Small and Large Loan, Express, CAPLines, International Trade Loans and 504), and originations (including business acquisitions, real estate purchase and construction, equipment purchases, permanent and temporary working capital). Additionally, Senior Business Development Officers are expected to support cross-selling of the Bank's lending, depository, interest rate swaps, and Treasury Management products to new and existing bank clients by introducing Bankers, Treasury and Banking Center staff to client for cross-sales, lead underwriting on loan presentations ensuring the overall success and growth of the portfolio through the acquisition of new clients, and supporting Bankers in expanding and deepening existing client relationships with the SBA product suite, maintain a very high level of credit quality within the portfolio, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.
Requirements
- Bachelor's degree in related field or equivalent combination of education and experience.
- 7+ years of relevant experience in commercial banking or small business banking
- Minimum 5 Years SBA lending experience in a business development role with demonstrated past success.
Nice To Haves
- 15+ years of commercial credit/banking experience.
- 10+ years SBA experience
- Completed formal bank/credit training program.
- Master's Degree or equivalent combination of education and work experience
- Proficient in Microsoft Outlook, PowerPoint, Word and Excel
- Identify key relationships to achieve strategic goals and provide strong credit knowledge
- Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
- Well-developed and proven organizational skills with ability to utilize time efficiently.
- Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results
- Must be goal driven and demonstrate ability to work effectively with limited supervision.
- Strong client service skills with detailed and timely responsiveness to internal and external clients.
Responsibilities
- business development
- loan structuring
- key issue identification and mitigation
- development of credit presentations
- presentation and client acceptance of term sheets and commitment letters
- application completion
- needs list items gathering
- loan closing
- support cross-selling of the Bank's lending, depository, interest rate swaps, and Treasury Management products to new and existing bank clients by introducing Bankers, Treasury and Banking Center staff to client for cross-sales
- lead underwriting on loan presentations ensuring the overall success and growth of the portfolio through the acquisition of new clients
- supporting Bankers in expanding and deepening existing client relationships with the SBA product suite
- maintain a very high level of credit quality within the portfolio
- build a great rapport with clients and fellow associates
- treat others with respect and consideration regardless of their status or position
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Industry
Credit Intermediation and Related Activities
Number of Employees
1,001-5,000 employees
