Business Development Officer

Job Summary

We are seeking an SBA Business Development Officer to generate new SBA 7(a) and 504 loan opportunities through internal and external referral sources, while structuring compliant lending solutions that support small and medium-sized business growth.

Responsibilities

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

Requirements

• 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

Qualifications

• Entrepreneurial Self-Starter - Take ownership of your pipeline, proactively generating SBA opportunities through referral networks and market outreach. Think strategically, structure solutions within SBA guidelines, and use data and performance metrics to consistently drive results in a goal-oriented environment.
• Organization & Efficiency - Effectively manage a high-volume pipeline, keeping deals organized from prospecting through closing. Prioritize tasks, maintain accurate documentation, and use systems and tools to ensure deals move forward efficiently and compliantly.
• Master Communicator - Communicate clearly and confidently with clients, partners, and internal teams. Simplify complex financial concepts, guide productive conversations, and build strong relationships that lead to successful deal execution and repeat business.
• Banking & Fintech Acumen - Apply strong knowledge of SBA programs and credit analysis to structure sound, compliant loan solutions. Assess financials with confidence and stay current on regulatory requirements to ensure quality and consistency across every deal.
• Tech-Forward and Analytical Thinking - Leverage CRM tools, financial data, and reporting systems to manage your pipeline and evaluate opportunities. Use insights to prioritize deals, improve efficiency, and support informed decision-making.
• Commitment to Being a Team Player - Collaborate closely with underwriting, credit, and closing teams to move deals forward. Communicate proactively, share knowledge, and contribute to a supportive team environment that ensures strong client outcomes.

Benefits

• Comprehensive, people-first benefits package
• Compensation — Base salary, annual bonus, incentives, and equity
• Health Coverage — 100% employer-paid for employees; employer contribution for dependents by Us
• - Medical, Dental & Vision Insurance
• - Health Savings Account (HSA)
• - Free Telemedicine access via Teladoc
• Financial Wellness & Wealth Building
• - 401(k) with 6% Employer Match — No Vesting Period
• - Employee Stock Options
• - Exclusive Employee Banking Perks
• - 0% Financing for Employee Solar Loans
• - Employee Only Mortgage Product with exclusive interest rates and terms
• - 0% Financing for Eligible Electric Vehicles (EVs)
• - Referral Incentives
• Generous Paid Time Off
• - 2–4 Weeks of Vacation based on officer level plus additional tenure-based time
• - 64 Hours of Paid Sick Time for all full-time employees
• Protection & Peace of Mind
• - Company-Paid Life Insurance
• - Short- & Long-Term Disability Insurance
• - Voluntary Life, Accident & Critical Illness Coverage
• - Employee Assistance Program (EAP) with free counseling, legal, and financial services

Equal Opportunity Statement

We are committed to fostering a diverse and inclusive workplace where everyone feels valued and respected. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.