Senior Small Business Administration Business Development Officer

OH0713 NW Bancshares HQ

Job Description

The Senior Small Business Administration (SBA) Business Development Officer 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 and serving as a resource for branch and partner SBA needs. The Senior SBA Business Development Officer 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.

Essential Functions

Develop new and expanding existing business banking relationships

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

Develop partnerships with Branch Managers, Treasury Management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest

Quickly establish a consistent SBA business development cadence in the marketplace which includes but is not limited to, Call Planning and Follow-Up, Client Retention Calls, New Client Prospecting, Outbound Telephone Calling Efforts, Networking Events

Responsible for sales, initial credit analysis, proper loan structuring (SBA loan packaging and submission)

Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk

Educates prospective clients about the Bank’s underwriting guidelines, SBA programs and all applicable government regulations

Follow current loans to ensure complete compliance with terms

Proactively keep abreast of industry trends

75% of calls prospecting new clients and relationships

Achieve and exceed budget goals as assigned by Region

Actively participate in community affairs

Encourage clients to maintain their 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 are completed on a timely basis

Ensure noncredit clients have appropriate treasury management and other related commercial services

Ensure risk ratings are appropriate based on your knowledge of the client

As required, collect on delinquent accounts

Analyze financial statements and related credit material to assess risk on a continuous basis

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

Acts 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, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency

Work as part of a team

Work with on-site equipment

Qualifications

Bachelor's Degree 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 experience consistently delivering strong sales performance and ability to lead a team towards similar results

6 - 8 years strong prospecting experience

Knowledge of all Treasury Management services

Knowledge of credit, SBA (Express, SBA 7a, and SBA 504), and noncredit services and products

Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.