Senior Small Business Administration Business Development Officer

Job Description

Senior Small Business Administration (SBA) Business Development Officer responsible for leading business development primarily focusing on SBA lending and deposit growth, maintaining market leadership presence locally, and serving as a resource for branch and partner SBA needs. The officer aggressively solicits and services prospective and current clients generating SBA 7a, 504 and USDA loans, managing a portfolio of business relationships, and seeking new accounts through calling, marketing, and referrals.

• Develop new and expanding existing business banking relationships
• Comprehensive understanding of all financial products, target markets, and solutions with emphasis on SBA and USDA credit, fee income, operating accounts, and treasury/cash management structure
• Develop partnerships with Branch Managers, Treasury Management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability
• Establish a consistent SBA business development cadence including Call Planning, Client Retention Calls, New Client Prospecting, Outbound Telecalling, and Networking Events
• Conduct sales, initial credit analysis and proper loan structuring (SBA loan packaging and submission)
• Interview applicants to assess financial needs, repayment ability, and risk level
• Educate prospective clients about the Bank’s underwriting guidelines, SBA programs and applicable government regulations
• Follow current loans to ensure compliance with terms
• Stay updated on industry trends
• Spend 75% of calls prospecting new clients and relationships
• Achieve and exceed budget goals assigned by Region
• Participate actively in community affairs
• Encourage clients to maintain personal banking at Northwest
• Manage Business Banking SBA portfolio of both credit and noncredit clients
• Prepare electronic loan applications for submission to Credit
• Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
• Partner with credit to ensure annual reviews and line of credit renewals completed timely
• Ensure noncredit clients have appropriate treasury management and related commercial services
• Ensure risk ratings appropriate based on client knowledge
• Collect delinquent accounts when required
• Analyze financial statements and credit material to assess risk continuously
• Complete loan closings as required
• Provide credit information and references for internal review as requested
• Ensure all credit files include current financial statements, agency reports, etc.
• Participate in continued sales and credit training
• Complete all required Compliance training in a timely basis
• Ensure compliance with all Regulatory requirements
• Act as a mentor for branch and partner SBA needs
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Navigate Microsoft Office, software applications, and department specific tools to maximize efficiency
• Work as part of a team
• Work with on-site equipment

• Bachelor's Degree in Business, Accounting, Finance, Economics, or Marketing preferred
• 6‑8 years SBA Banking Relationship Management experience required
• 6‑8 years formal credit training
• 6‑8 years consistently delivering strong sales performance and ability to lead a team toward similar results
• 6‑8 years strong prospecting experience
• Knowledge of all Treasury Management services
• Knowledge of credit, SBA (Express, SBA 7a, SBA 504), and noncredit services and products

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.