SBA Banker

JOB SUMMARY:

The Small Business Administration (SBA) Banker II is responsible for leading business development with a primary focus on SBA lending and deposit growth while maintaining market leadership presence in the local community. The SBA Banker is responsible for aggressively soliciting and servicing prospective and current clients producing SBA 7a, 504 and USDA loans as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals. Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Business Development
• 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.
• 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. Ability 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.
• Services, modifies and/or restructures existing loans as needed. Monitors 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.
• Adheres to policy & procedure of Seacoast Bank and must comply with BSA/AML/OFAC regulations and guidelines. Adheres to Seacoast Bank’s Code of Conduct.
• Accept loan applications and the collection all required applicant information while following Fair Lending performance standards and ensuring fair and equal treatment to all applicants. Practices ethical sales behaviors in accordance with the Associate Code of Conduct and Sales Practices Policy, acting in the best interest of the applicant and their credit needs. Proactively helps to resolve customer concerns in a timely, professional, and positive manner, escalating issues to the next level of authority as needed.
  
  

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.