SBA Development Officer - Potential

We’re looking for a high‑impact business development professional who thrives on building relationships, opening doors, and creating opportunity through Small Business Administration (SBA) lending—with a strong emphasis on owner‑occupied commercial real estate financing. This role is built for someone who enjoys being out in the market, developing Centers of Influence (COIs), and serving as a trusted advisor to business owners, referral partners, and internal stakeholders.

More than 80% of your time will be spent on external sales, relationship development, and market presence.

• Develop and originate SBA loan opportunities by proactively building a strong pipeline through COIs, referral partners, cold outreach, and existing relationships.
• Serve as a consultative partner to business owners by meeting them at their place of business to understand operations, goals, and financing needs—particularly related to owner‑occupied commercial real estate.
• Build, deepen, and maintain profitable specialty finance relationships with new and existing customers.
• Represent U.S. Bank in the market by actively participating in civic, community, and business events to strengthen the Bank’s brand and generate new business opportunities.
• Partner closely with Business Banking, Community, and Commercial teams to exchange leads, align on strategy, and exceed shared growth objectives.
• Own the SBA lending process end‑to‑end, including:

• Origination and structuring of SBA loan requests
• Gathering and analyzing financial and credit information
• Developing complete SBA loan packages and submitting to the SBA processing center
• Delivering commitment letters, reviewing program details, and supporting loan closings
• Contribute to portfolio growth by originating high‑quality SBA applications aligned with credit standards and business strategy.
• Proactively deepen relationships by identifying additional customer needs and referring opportunities to other U.S. Bank partners and solutions.

U.S. Bank offers a robust, market‑leading Business Banking compensation plan that rewards the full scope of your relationship‑building efforts—from loan generation to deposit growth to fee‑based production.

The role offers a hybrid/flexible schedule, which means there's an in‑office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days. This role may offer a sign‑on bonus up to $20,000.00 depending on qualifications and business considerations.

• Bachelor’s degree, or equivalent work experience
• Five to eight years of commercial credit, relationship banking or other job‑related experience

• Demonstrated success in business development, B2B sales, and relationship‑driven revenue growth, ideally within financial services or commercial lending
• Proven ability to build, manage, and leverage Centers of Influence (COIs) such as real estate professionals, CPAs, attorneys, brokers, and community leaders
• Strong understanding of SBA lending products and SBA Standard Operating Procedures (SOP), with the ability to confidently guide customers and partners through the process
• Consultative sales mindset with the ability to identify client needs, structure solutions, and position value, not just products
• Strong credit, financial analysis, and deal‑structuring skills, with sound judgment around credit quality and risk
• Ability to independently manage a robust external sales pipeline while coordinating effectively with internal partners
• Excellent presentation, verbal, and written communication skills, with comfort engaging business owners, referral partners, and internal stakeholders at all levels
• Highly developed analytical, problem‑solving, and…