SBA Banker

ESSENTIAL DUTIES AND RESPONSIBILITIES

• 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.
• 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.
• Carefully 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.

Credit Acumen

• Complete understanding of all business credit facilities including, but not limited to: Commercial Real Estate (CRE), Lines of Credit, Equipment Financing/Leasing, Factoring, and SBA Financing.
• Structuring proper terms and product based on business need, useful life, business growth, debt consolidation, and transferring personal debt to business.
• Basic understanding of business and personal financial statements and tax returns to identify credit worthiness and identifying risk potential.
• Able to identify short- and long-term credit facility needs based on business sales cycle, type of business, growth plans, and business strategy.
• Educates prospective clients about the Bank’s underwriting guidelines, SBA programs and all applicable government regulations.
• Serves, modifies and/or restructures existing loans as needed.
• Marks up 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.
• Acts as a mentor to junior level SBA Lenders within Seacoast Bank.

Education and/or Experience

• High School Diploma or equivalent required.
• College degree in a financial related discipline preferred.
• 5+ years of directly related SBA experience preferred.
• 7+ years in business development and/or financial services experience required.
• Demonstrate excellent communication (written and verbal) and interpersonal skills.
• PC Proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite software.