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.

Essential Functions

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

Qualifications

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.

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