SBA - Senior Business Development Officer

Cobnks; Greenwood Village (CO); On-site; USD 120,000 - 180,000; Full time

Job summary

Cobnks is seeking a Senior Business Development Officer to identify SBA prospects, grow profitable client relationships, and coordinate loan structuring and closings. You will work across SBA product lines and collaborate with bankers, treasury, and banking centers to achieve portfolio growth and strong credit quality.

Ideal candidates have extensive SBA lending experience in a business development role, with strong relationship-building and market-expansion capabilities.

Qualifications

• Bachelor’s degree or equivalent in related field.
• 7+ years in commercial or small business banking.
• Minimum 5 years SBA lending experience in a business development role.

Responsibilities

• Identify and call SBA prospects and referrals in the footprint.
• Develop and grow profitable client relationships with SBA products.
• Support cross-selling of lending, depository, and treasury products.
• Ensure credit quality and timely completion of loan presentations and closings.

Skills

MS Office

Client relationships

Negotiation

Credit knowledge

Education

Bachelor’s degree

Master’s degree

Tools

SBA lending tools

Job description

This Position can be located in any of our locations including Salt Lake City, UT, Kansas City, MO or Dallas, TX

At our Bank, we believe common sense is more than just banking. We believe in finding financial solutions that cater specifically to our client’s needs.We are looking for talented associates who understand the complexities of life and will offer simple solutions that best fit the needs of our clients.

If this is what you believe in, then you’re definitely right for us. And, we might be the right bank for you.

As a Senior Business Development Officer, you will identify and call SBA prospects and referrals in the footprint, including acquiring managing and growing profitable client relationships and working with other areas in the Bank. You will be responsible for a variety of tasks including business development, loan structuring, key issue identification and mitigation, development of credit presentations, presentation and client acceptance of term sheets and commitment letters, application completion, needs list items gathering, and loan closing. You will work with SBA products (7a Small and Large Loan, Express, CAPLines, International Trade Loans and 504), and originations (including business acquisitions, real estate purchase and construction, equipment purchases, permanent and temporary working capital). Additionally, Senior Business Development Officers are expected to support cross-selling of the Bank’s lending, depository, interest rate swaps, and Treasury Management products to new and existing bank clients by introducing Bankers, Treasury and Banking Center staff to client for cross-sales, lead underwriting on loan presentations ensuring the overall success and growth of the portfolio through the acquisition of new clients, and supporting Bankers in expanding and deepening existing client relationships with the SBA product suite, maintain a very high level of credit quality within the portfolio, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements:

To be considered for this position, you must possess the following qualifications.

• Bachelor’s degree in related field or equivalent combination of education and experience.
• 7+ years of relevant experience in commercial banking or small business banking
• Minimum 5 Years SBA lending experience in a business development role with demonstrated past success.

Desired Qualifications:

To be considered an ideal candidate, you should possess some of the following qualifications:

• 15+ years of commercial credit/banking experience.
• 10+ years SBA experience
• Completed formal bank/credit training program.
• Master’s Degree or equivalent combination of education and work experience

Skills and Abilities:

Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Proficient in Microsoft Outlook, PowerPoint, Word and Excel
• Identify key relationships to achieve strategic goals and provide strong credit knowledge
• Clearly and enthusiastically convey information and ideas in a manner that engages and persuades clients.
• Well-developed and proven organizational skills with ability to utilize time efficiently.
• Ability to make sound and timely decisions, to consistently deliver on commitments, and assume responsibility for results
• Must be goal driven and demonstrate ability to work effectively with limited supervision.
• Strong client service skills with detailed and timely responsiveness to internal and external clients.

Work Environment:

• Office setting with traditional hours.
• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
• Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and holdarms overhead,turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.
• Must be able to work overtime to the extent necessary.
• Must be able to work additional hours outside routine business hours to the extent necessary.
• Must be able to travel regularly within market area (estimated at 70%+ of the time) with occasional trips to headquarters or to national conferences (estimated at 10% of the time).