SBA Business Development Officer

SUMMARY 

The individual will be responsible for working with the division’s underwriting and credit management team to process, underwrite and close eligible loan transactions.  Additionally, this position will be responsible for presenting each prospective loan to credit committee for approval. Lastly, a strong component of the role will be continued development of the Sunwest brand both in the SBA market and across the candidate’s geographic market through creative target marketing, such as networking events, trade groups, etc.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Conduct new business development activities to generate new fee income to meet department and individual goals.
• Prospect, market, structure and originate new SBA 7(a) and SBA 504 loans.
• Identify, refer and introduce other business opportunities to internal product partners.
• Establish and maintain a network of referral sources able to bring potential SBA borrowers to the bank.
• Obtain complete financial packages from borrowers to obtain required signatures and facilitate funding.
• Maintain an in-depth knowledge of SBA products as well as knowledge of competitors and competitive products.
• Ensure that all activities and work functions comply with bank compliance requirements.
• Critically think, formulate and support credit decisions, and logically defend position.
• Negotiate on behalf of the bank and the borrower while appropriately balancing risk and shareholder value.

ADDITIONAL RESPONSIBILITIES

• Demonstrates high degree of professionalism in communication, attitude and teamwork with customers, peers and management
• Demonstrates high level of quality work, attendance and appearance
• Adheres to all Company Policies & Procedures and Safety Regulations
• Adheres to local, state and federal laws

• Understands and complies with all company rules and regulations
• Attends training and maintains a basic knowledge of procedures to ensure compliance with laws and regulations governing financial institutions, as they apply to your position and job responsibilities, with an emphasis on the BSA/AML/CIP, Consumer Privacy, Regulation CC, Information Security, Bank Protection Act, FACT-Identity Theft, Information Technology and GLBA.
• Additional duties as assigned as it relates to the position

SUPERVISORY RESPONSIBILITIES

This position does not have supervisory responsibilities

MINIMUM QUALIFICATIONS

• Post-secondary degree in a related field of study
• Minimum of 5 years of commercial lending experience
• Extensive working knowledge of SBA lending policies and procedures, preferred
• Formal credit training, preferred
• Evidence of business development success
• Ability to analyze and understand financial statements of various business types as well as personal financial statements and tax returns and to present this information in a loan presentation to a committee
• Strong attention to detail, problem solving skills, and ability to prioritize work to execute tasks in a fast-paced, deadline driven environment
• Exceptional communication skills, both written and verbal, that can be demonstrated with business partners
• Excellent customer service and interpersonal skills in order to ascertain and respond to customer needs and objectives to advance the client relationship and meet the Bank's objectives
• Strong personal drive and initiative, demonstrated work ethic, and ability to work as a team

COMPETENCIES:

• Adaptability
• Communication
• Decision Making
• Initiative
• Innovation
• Motivator
• Organization
• Professionalism
• Results Orientated