The Small Business Administration (SBA) Banker II is responsible for leading business development with a primary focus on SBA lending and deposit growth while maintaining market leadership presence in the local community. The SBA Banker is responsible for aggressively soliciting and servicing prospective and current clients producing SBA 7a, 504 and USDA loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.
Principal Duties & Responsibilities:
- Meets and exceeds individual sales goals adhering to corporate, legal, and regulatory policies, guidelines, and requirements regarding compliance.
- Quickly establish a consistent SBA business development cadence in the marketplace,
- Complete understanding of all financial products, target markets, and solutions with a strong emphasis on SBA and USDA credit, fee income, operating accounts, and treasury/cash management structure.
- Maintain and expand a mature Center of Influence (COI) base of community and business leaders, leveraging them to gain additional business through referrals.
- Develop and maintain partnerships with internal line of business leaders.
- Responsible for sales, credit analysis, proper loan structuring (SBA loan packaging and submission), client interviewing and perceptive character judgment.
- Source and build new business relationships.
- Coordinate the sale and execution of SBA guarantee to general non interest income.
- Responsible for overseeing and managing the technology platforms and vendor relationships that streamline the SBA Loan Process within the bank.
- Educates prospective clients about the Bank’s underwriting guidelines, SBA programs and all applicable government regulations.
- Services, modifies and/or restructures existing loans as needed. Monitors existing clients’ credit worthiness and repayment activities.
- Directs back office personnel in resolving credit problems, delinquent payment issues, and other related affairs.
- Coordinates with attorney, loan closer and other involved staff to assure timely loan closing and funding activities.
- Able to balance business needs with customer requests while managing potential risk to the bank.