SBA Finance Specialist

Overview

This role is responsible for the origination, closing, and servicing of government-guaranteed small business loans, along with promoting SBA lending products within the organization. The position operates within an assigned territory and is expected to meet established business results and client expectations.

In addition, the role includes risk accountability—identifying, assessing, managing, monitoring, and reporting risks—and consistently following policies and procedures to support a positive customer experience within the Bank’s risk appetite.

Responsibilities

• Achieve annualized loan production targets measured by both net revenue and loan amount while operating within the Bank’s tolerance for each risk category.
• Pursue SBA-qualified prospects by soliciting alternative loan products through internal sources such as prospecting, networking, joint calling, and community development opportunities.
• Support external and internal marketing activities, which may include seminars, direct mail solicitation, and media advertising.
• Conduct applicant interviews to determine required qualifications and perform cross-selling of other bank services.
• Serve as a liaison to develop and maintain internal relationships with Business Banking, Retail, and Commercial relationship managers to promote alternative lending products.
• Serve as a liaison to develop and maintain external relationships with various governmental and community agencies.
• Complete written analysis, recommendations, and coordination with Middle Office to prepare loan documents.
• Participate in the origination, closing, packaging, servicing, and, if necessary, liquidation of SBA loans to conform with U.S. Small Business Administration standard operating procedures, as well as Bank policies and regulatory compliance.
• Balance risk and return, including monitoring charge-offs that result in loss of income within the first 12 months; engage in credit and risk management policy and processes as needed.
• Provide consultative sales support and act as a trusted advisor to drive strong client experience, retention/penetration, and “One Bank” execution.

Eligible products include SBA 7(a) and 504, USDA, and other conventional loans with government guarantee components.

Requirements

• Extensive knowledge of U.S. Small Business Administration loan programs and other federal, state, and municipal alternative lending products.
• Bachelor’s Degree in Marketing, Finance, or related business field, or 4 years related experience.
• Minimum 5 years of Commercial banking experience or 5 years of sales and underwriting experience.
• Proven track record of self-motivated success in external sales/sourcing and creation of new sales relationships.
• Ability to analyze complex financial data to make sound credit decisions.
• Excellent presentation and interpersonal skills.
• Advanced to intermediate PC skills.

Compensation & Benefits

• Total Base Pay Range: 82,100.00 - 172,500.00 USD Annual
• Base salary reflects the range of salary levels for roles within this pay grade across the U.S.; individual salaries vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location.
• Eligible to participate in an incentive compensation plan, with any payment based upon company, line of business and/or individual performance.
• Comprehensive benefits programs supporting physical, financial, emotional, and social well-being (details available through the company careers page or by consulting with a talent acquisition partner).

Location

• Virtual, Ohio 00000

Additional Information

• This posting does not accept unsolicited resumes from search firms or staffing agencies without an active agreement. Unsolicited resumes submitted to the organization will be considered the property of the organization and no fee will be paid.
• Equal employment opportunity is provided in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.