SBA Commercial Business Development Officer

Title: SBA Commercial Business Development Officer

Job Location: Livermore, CA

Hiring salary range: $108,700.00 - $148,300.00 annually

Position Summary

Fremont Bank — one of the Bay Area’s most respected and long-standing financial institutions — is seeking a strategic, hands-on professional to join and help advance our Commercial Lending Operations team. This is a high-impact opportunity to contribute to the success of a mission-driven organization committed to excellence, community service, and strong client relationships.

If you're energized by purpose-driven work, collaboration, and delivering meaningful results, we’d love to connect.

Why Fremont Bank?

Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships — with our clients, our associates, and our communities.

We offer:

• A people-first culture grounded in inclusion and excellence
• Deep community involvement and local reinvestment
• A mission-driven workplace where values and performance go hand in hand
  
  

The Fremont Bank Way

• Full-Service Banking with comprehensive financial solutions, advanced technology, and exceptional service
• No-Compromise Approach — we help clients get to "yes"
• Core Values:
• Go above and beyond for clients
• Foster a supportive and empowering environment for associates
• Deeply invest in the well-being of our local community
  
  

Position Overview

The SBA Commercial Business Development Officer (BDO) is responsible for generating new SBA 7a loans and client relationships. This role focuses on business development activities, including prospecting, client acquisition, external networking, and uncovering sales opportunities across lending, deposit, and treasury management services. The SBA BDO will be the main point of contact for on-going servicing support and account maintenance as needed.

Role And Responsibilities

• Proactively source and develop new SBA 7a loans in the Bank’s Northern California footprint and elsewhere in California with SBA Executive approval.
• Collect complete application from the prospective client, determine SBA eligibility, structure loan, prescreen credit and identify all available collateral.
• SBA 7a loans are intended for sale and should be structured to maximize premium to the extent possible
• Develop new commercial relationships within Fremont Bank footprint.
• Consistently meet or exceed commercial lending and depository growth goals
• Identify client needs and provide consultative financial solutions across a wide range of bank products, including Wealth Management, Residential, and Treasury Management
• Collaborate with Relationship Managers to transition new clients into long-term managed relationships
• Represent Fremont Bank at community and industry events to develop brand presence and lead opportunities
• Maintain accurate records of pipeline activity using CRM tools; coordinate closely with internal partners to ensure smooth client experience
• Act as an ambassador for Fremont Bank’s values and service model in the marketplace
• Make recommendations to the appropriate lending authority based on client needs and credit analysis
• Negotiate loan terms and conditions to structure mutually beneficial agreements
• Attend commercial lending department sales meetings and contribute to team initiatives
• Assist clients with banking transactions by coordinating with relevant internal departments
• Serve as a liaison between clients and internal teams to ensure seamless service delivery
  
  

Minimum Qualifications

• Bachelor’s degree in business, finance, or a related field
• 5 years of experience in SBA and/or commercial banking business development
• Proven ability to build relationships and generate new business
• Strong sales, negotiation, and networking skills
• Proficient knowledge of SBA Program Requirements and loan structuring
• Working knowledge of commercial credit, deposits, and treasury solutions
• Excellent communication and presentation skills
• Proficient in Microsoft Office and CRM systems
  
  

What Makes Fremont Bank Associates Thrive?

• Team Players who go above and beyond to support their colleagues
• Action-Oriented professionals who challenge the status quo and seek improvement
• Purpose-Driven individuals who understand and champion the bank’s community impact
  
  

Benefits Snapshot

Health & Wellness

• Medical, dental, and vision insurance
• Flexible Spending Accounts (FSA, Dependent Care, Health Savings)
  
  

Financial & Retirement

• Employee Stock Ownership Plan (ESOP)
• 401(k) with employer match
• Performance-based bonuses or incentives
  
  

Work-Life & Perks

• Paid holidays, vacation, and sick time
• Free personal checking and savings accounts
• Home loan rate discounts
• Tuition reimbursement and professional development resources
• On-site gym and discounted health club memberships
• Employee Assistance Program (EAP)
  
  

Equal Opportunity Employer

Fremont Bank is proud to be an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected classification.

Salary Range

The hiring salary range for this position is $108,700.00 - $148,300.00 annually, based on factors such as experience, skills, education, and internal equity. Compensation decisions are made in consideration of these factors and in alignment with Fremont Bank’s compensation philosophy.

Employee Stock Ownership Plan (ESOP)

The Employee Stock Ownership Plan (ESOP) is a way for Fremont Bank to contribute to the financial well-being of associates by making a contribution to their retirement account. In addition, the ESOP provides associates an opportunity to share in the growth and prosperity of Fremont Bank.

Note to Search Firms:

Fremont Bank does not accept unsolicited resumes from search firms or agencies without a signed service agreement. Unsolicited resumes will be considered the property of Fremont Bank, and no fees will be paid.