SBA Business Development Officer

Overview

Climate First Bank is seeking a driven SBA Business Development Officer to generate new SBA 7(a) and 504 loan opportunities and structure compliant lending solutions that support small and medium-sized business growth.

Business Development & Relationship Management

• Generate new SBA loan opportunities through internal partnerships and external referral networks
• Build and maintain relationships with clients, prospects, and business partners
• Partner with bank officers to cross-sell additional banking products and services

Loan Structuring & Credit Analysis

• Structure SBA loan proposals aligned to SBA 7(a), 504, and related programs
• Review financial information and determine borrower eligibility
• Conduct initial underwriting and develop credit recommendations

Credit Packaging & Documentation

• Prepare SBA-specific credit memorandums and complete supporting documentation
• Ensure all packages meet regulatory and SBA SOP requirements
• Present commitment letters upon loan approval

Loan Process Management

• Coordinate submission of loan packages to underwriting and SBA
• Partner with processors, attorneys, and clients through closing
• Follow up on outstanding documentation and ensure timely processing

Reporting, Compliance & Support

• Prepare reports for leadership and complete required compliance training
• Maintain adherence to BSA, AML, CIP, OFAC, and other regulatory requirements
• Support special projects and departmental initiatives as needed

Champion Our Mission, Protect What Matters

Adopt a commitment to environmental, social, economic, and responsible banking practices. Stay informed on regulatory requirements and complete all required compliance training. Support fraud prevention and ensure adherence to bank policies and procedures.

What makes a stand-out candidate:

• Bachelor’s degree in business, finance, or related field preferred
• 3+ years of SBA lending experience
• Experience with government-guaranteed lending programs (SBA 7(a), Express, 504, USDA)
• Strong financial analysis, communication, and organizational skills
• Proven ability to collaborate across teams and manage client relationships

Core Competencies

• Entrepreneurial self-starter: ownership of pipeline, proactive SBA opportunity generation, strategic thinking, and data-driven results
• Organization & efficiency: manage a high-volume pipeline and maintain accurate documentation
• Master communicator: clear, confident client and internal communication
• Banking & fintech acumen: knowledge of SBA programs and credit analysis, regulatory awareness
• Tech-forward and analytical thinking: use CRM and reporting tools to drive decisions
• Team player: collaborate with underwriting, credit, and closing teams

Climate First Bank is an equal opportunity employer. We do not discriminate on the basis of protected attributes and we provide reasonable accommodations as required by law.