Business Development Officer

Overview

The SBA Loan Officer position is focused on acquiring, growing, and retaining SBA banking clients through focused relationship planning. This position also offers a conventional loan aspect ot it. The key measurements of success are new loan and deposit production, fee income, overall relationship profitability, portfolio management and referrals to other lines of business.

• Originate sound SBA loans that comply with current SBA SOP requirements and Bank policy.
• Responsible for the profitability of all SBA relationships within the portfolio.
• Meet or exceed monthly and annual sales quotas and KPIs related to pipeline growth and client acquisition.
• Actively cross sell other bank products to include deposits products and treasury. management services to build profitable client relationships.
• Interviews loan customers and requests specified information for loan applications.
• Analyzes applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan.
• Corroborates with credit analysts to prepare loan approval memorandums, including resolving underwriting and application questions with the applicant.
• Present recommendations to senior management and credit underwriters by demonstrating a thorough understanding of credits presented.
• Coordinate with packagers and closers to ensure maximally efficient loan closings, including diligent attention to clearing the closing needs list.
• Ensure loans are closed in accordance with all conditions of approval.
• Adhere to loan policies and procedures with complete documented files to ensure satisfactory reviews from internal and external audits.
• Participates actively in community and civic duties to create a positive public perception of the Bank and to effectively determine the credit needs of the community.
• Stay up to date on all SOP for SBA related products.
• Effectively present information in one-on-one and small group situations, to clients, Loan Committee members and other employees in the organization.
• Provide marketing suggestions to promote the Bank.
• Follow all other instructions and perform other job-related duties, at the discretion of the President.

• Bachelor’s Degree or higher in Accounting, Finance or related business field or relevant experience in similar roles.
• Experience in the Atlanta metro market.
• Highly developed accounting, finance, credit and sales skills.
• Proven track record of prospecting SBA clients.
• Ability to cross sell multiple products.
• Knowledgeable understanding of Microsoft office products, Fiserv, Enact, SBA SOP and other banking programs.

• Normal office working conditions. Typical work week Monday – Friday.

The Salary range for this position is $100K - $130K annually. This range is based on years of experience. There is also a competetive commission structure. Commissions are paid the following month after the loan closes. There is a monthly car allowence of $600.00