SBA Commercial Lender
Job Summary
The SBA Commercial Lender manages complex business portfolios by providing customized financial solutions, including SBA 7A and 504 loans. This role focuses on business development, relationship management, and credit risk assessment to grow the commercial banking portfolio. The position acts as a trusted advisor to clients, offering strategic financing and cash management advice.
Responsibilities
- Manage and grow complex commercial banking portfolios.
- Originate and monitor SBA 7A & 504 loans.
- Execute business development strategies and sales goals.
- Perform financial analysis and credit risk assessment.
- Provide strategic advisory for financing and cash management.
Required Skills
- 7+ years of commercial banking experience
- Expertise in SBA 7A & 504 programs
- Strong credit and financial analysis skills
- Proven business development track record
- Advanced negotiation and relationship management
Job Details
Job Description:
The SBA Commercial Lender services the needs of large/complex business portfolios, customizing a broad range of products and services to meet the financial needs of customers. The job acquires, develops and manages commercial banking relationships by providing customized solutions across different commercial segments to build a strategy that is right for the customer now, and in the future.
Depth & Scope:
- Originates and monitors larger loans with moderate to complex credit needs.
- Accountable for sales and/or delivery of solutions across business lines.
- Recommends best practices to improve products or services.
- Anticipates and interprets market trends to serve customer needs.
- Manages existing strategic accounts and takes a significant business development focus.
- Executes and directs complex account management processes.
Education & Experience:
- Undergraduate degree.
- 7+ years relevant experience.
- In-depth understanding of commercial industry, business development techniques and credit decisions.
- Experience in SBA 7A & SBA 504.
- Proven business development track record.
- Extensive network of outside referral sources.
- Excellent credit and financial analysis skills.
Customer Accountabilities:
- Responsible for growth goals (loans, deposits, fees) through new business development and cross-selling.
- Makes sales calls and coordinates financial analyses for credit decisions.
- Negotiates terms and conditions based on policy and credit approval.
- Delivers exceptional customer service and acts as a trusted advisor.
Shareholder Accountabilities:
- Develops/implements sales strategies to attract, acquire and retain customers.
- Assesses credit requests to determine risk and makes recommendations for structuring deals.
- Protects the interests of the organization by identifying and managing risks.
- Ensures accuracy of documentation and consistency with regulatory requirements.
Employee/Team Accountabilities:
- Participates as a team member to promote quality, innovation and teamwork.
- Provides thought leadership and mentorship within the business unit.
- Keeps current on emerging trends and business developments.