Description

SUMMARY:

You own it, are accountable and likely are a top performing business development officer specializing in originating SBA government guaranteed loans (both 7A and 504) but are not happy with your employer’s culture or perhaps interested in exploring a change. You have a passion for helping small businesses. Ethics, integrity, building trust, delivering on your promises, and delivering results for your small business clients is of paramount importance to you. You are very intrigued to learn about the proprietary services we invented, provide for free to business owners and the proven effectiveness these services have in providing you with consultative solutions and a competitive edge not offered by any other bank in the USA. You are pleased to learn that the bank actively supports the National Association of Government Guaranteed Lenders (NAGGL); assuring the banks continued commitment to SBA lending. You are curious to learn why we are one of the fastest growing SBA lenders. You either live in Arizona, California, or Nevada now, or have family or friends and interested in being based there. If this sounds like you, please keep reading and we encourage you to apply.

RESPONSIBILITIES: 

Develop and cultivate new SBA lending opportunities including both 7A and 504 loan programs. The BDO will build and network prospects utilizing both internal and external referral resources and follow up on marketing leads we supply. The positions primary focus includes sourcing and procuring SBA loan products for portfolio growth. The BDO will gather applications, perform financial analysis of required cash flow, and present the package within credit policy requirements. This position will also provide financial counsel to current and prospective customers using our invented and proprietary tools. 

This position will establish relationships with an internal Business Banking Relationship Manager to deepen and expand on long term banking relationship(s). If interested, you may also originate non-SBA, C&I commercial business and CRE loans. Duties include:

• Generate new SBA 7a and 504 program loans from small business clients in accordance with established annual goals and objectives. 
• Prescreen loans with knowledge of SBA for proper structure, conformity, and eligibility with respect to the applicable loan program.
• Identify opportunities to solve client issues by obtaining sufficient information from applicants to analyze the loan request appropriately.
• Maintain continual dialogue and close working relationship with other bank officers, centers of influence, referral resources, etc. 
• Assist Business Banking team to cross-sell deposit, trade, cash management, asset management and other banking services.
• Responsible for developing a loan consideration memo for the credit department based on the information received from the prospect. 
• Responsible for assisting client through the end-to-end loan process, assisting internal team members with obtaining all necessary documentation needed to close the transaction, and to follow up on any exceptions or account matters. 
• Responsible for ensuring compliance with all aspects of job-related laws and regulations, including timely, and successful completion of all online or in-person training required by Integro Bank.
• Participate in community and business functions/groups to provide a positive image for the bank within the marketplace. Establish referral contacts within the community. Attend local SBA functions to establish Integro Bank’s presence and cultivate CDC relationships. 

Requirements

QUALIFICATIONS:

Knowledge, Skills & Abilities

• Demonstrate 2 to 25 years prior business success in SBA Lending/Sales
• Demonstrated knowledge of SBA products and policies
• Excellent verbal, written, and interpersonal communication skills 
• A team player able to work effectively in a team fostered, multi-tasking environment
• Proficient in Microsoft Office suite and interested in learning about our high tech invented technology solutions 
• Ability to work independently and develop relationships based on overall profitability and revenue generation. 
• Strong working knowledge of financial analysis including cash flow, balance sheet, financial ratios, collateral, economic and industry analysis. 

Education & Experience

• Bachelor’s Degree or equivalent experience. 
• Prior relationship management experience
• Strong Sales experience required
• SBA 7A and/or 504 experience required

ENVIRONMENT & PHYSICAL DEMANDS:

• Ability to lift a minimum of 20lbs. (e.g., file boxes)
• Must be able to sit, stand, bend and stoop
• Sitting/Standing/Driving for 90% of the time
• Requires ability to use keyboard up to 8 hours
• Travel may be required

This job description as with any other role may be an in-office or work from home position and may be subject to our work from home policy.

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job

INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT: Integro Bank. is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.

About Integro Bank Our Mission is to “Help small businesses maximize growth and employment”. Our Why is because “Employment lifts people up and transforms lives”, Our Core Values are to LEAD:

Listen to understand small business needs

Earn trust with integrity

Assist clients with growth & employment

Deliver favorable returns for shareholders