SBA Business Development Officer I-III

Overview

This role is responsible for soliciting and developing loan transactions within the SBA 7(A), 504, and USDA B&I loan programs. Work is performed in compliance with the organization’s lending policies and the applicable Agencies’ lending policies and procedures. The position also supports the organization’s business development through strong customer relationships, referrals to appropriate staff for other services, and active participation in officer calling programs to help achieve individual production goals, department goals, and Bank goals.

Responsibilities

• Generate new leads through outbound calls, emails, networking, and in-person meetings.
• Build and maintain strong relationships with prospective and existing clients to drive long-term business.
• Use CRM systems to track interactions, update customer records, and manage pipeline activity.
• Draft proposal letters and facilitate the exchange of information and documentation needed by the underwriter or management to complete loan analysis for presentation to Senior Management or Directors’ Loan Committee.
• Maintain working knowledge of the SBA S.O.P. and other regulation manuals and materials related to the Government Guaranteed Loan Programs.
• Coordinate with loan processor/closer and loan underwriter to support customer needs throughout the loan transaction.
• Support the department and organization’s profitability by implementing cost controls, generating income, and contributing to department marketing efforts; monitor expenses to ensure compliance with the department budget.
• Reinforce superior customer service through personal example and appropriate follow-through with customers and employees.
• Develop and maintain knowledge of the financial industry, economy, market conditions, rates, vendors, and competition.
• Represent the organization in community, civic, and community reinvestment functions to enhance visibility and develop additional business; assist in establishing and maintaining market position in the financing arena.
• Provide leadership and training to less experienced loan officers and other staff members.
• Embody the organization’s TRAC values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) in daily interactions and decision-making.
• Complete administrative tasks with a sense of urgency, including required Bank Compliance Training.
• Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner.
• Positively represent the organization through ethical conduct and community involvement.
• Demonstrate commitment to EEO policies by fostering a respectful, inclusive workplace, valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensure adherence to all organization policies, procedures, and processes, and applicable state and federal laws, rules, and regulations; maintain confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.

Requirements

• Bachelor’s degree from an accredited college or university required; relevant field preferred (e.g., Business, Finance, or related).
• Minimum 3–5 years of related experience in banking, financial services, or a relevant industry required.
• Ability to align SBA goals with overall bank objectives by contributing to internal policies and lending strategies.
• Proven skill in building collaborative relationships across departments through open communication and respect, while effectively resolving conflicts.
• Experience driving innovation and process improvements, including recommending technologies to enhance SBA lending efficiency.
• Demonstrated ownership of challenges, using setbacks as learning opportunities to foster accountability and team growth.
• Demonstrated ability to cross-sell and explain all products and services with confidence and authority.
• Knowledge of commercial banking products and services and a strong understanding of federal compliance regulations required.
• Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution.
• Experience with computer terminal and personal computer operation; mainframe computer system; spreadsheet; and specialty software programs.
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Effective oral, written, and interpersonal communication skills, including the ability to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors, and employees.
• Strong organizational and time management skills with attention to detail.
• Strong teamwork and relationship skills to lead collaborative efforts, foster alignment, and drive results across teams.
• Ability to take initiative and impact change through consensus building and conflict resolution.
• Willingness to take on special projects and perform other duties as assigned to support team and organizational needs.
• Commitment to continuous learning and professional development to stay current with industry standards and best practices.
• Ability to maintain authenticity and integrity in professional interactions to ensure trust and credibility with stakeholders.
• Ability to manage multiple priorities and meet deadlines in a dynamic environment.
• Ability to work independently with minimal supervision and as part of a team.
• Proven ability to adapt to changing priorities and procedures.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.

Preferred Qualifications

• None specified.

Compensation & Benefits

• Medical, dental, and vision coverage
• Life insurance
• Paid vacation
• 401(k) retirement plan
• Training & development opportunities
• Tuition reimbursement
• Employee Assistance Program
• Internal job postings and referral program
• Employee ownership through an ESOP program

Location

• Work is performed in an office or home office environment.
• This position involves tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment, with physical activities including sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
• Travel up to 75%, including frequent trips to client locations, sales presentations, industry conferences, corporate events, and training sessions. Travel may include long-distance flights, overnight stays, and local transportation.

Travel Requirements

• Up to 75% travel is required.