SBA Lender

The SBA Lending Specialist is responsible for developing, managing, and maintaining borrowing relationships related to SBA 7(a) lending. This position is responsible for the development of new and existing business through calling programs and cross-selling of Bank services.  Maintaining loan quality and generating fee income are also key areas of responsibility.  The position will begin without an existing portfolio of clients and will grow through the cold calling and networking efforts of the Relationship Manager.  The position will provide the flexibility of selling without a defined sales territory or specific geography related to the relationship manager’s loan production office.


  • The main product line is to provide financing, through the SBA 7(a) program, for purpose of the Owner/Borrower.
  • Calls on and develops a referral network with commercial real estate brokers, business brokers, business/professional associations, accountants, lawyers, etc. to solicit SBA loan opportunities.
  • Structure and negotiate SBA credit transactions, completes initial underwriting and prepares credit package for submission both internally and to the Small Business Administration.
  • Pursue repayment of loans and contact customers whose loans are past due or have overdrawn accounts.
  • Responsible for early detection of problem loans and generation of reports for management of weak and criticized loans.
  • Assist other lines of business with business development.


  • Customer Service – Adheres to the bank’s service standards set by Service Plus in order to anticipate and exceed the needs of our customers, both internal and external.
  • Functional Knowledge and Technical Skills – Skilled in job-specific knowledge that is necessary to provide the appropriate quantity and quality of work in a timely and efficient manner.
  • Accountability – Work behaviors demonstrate responsible personal and professional conduct, which contributes to the overall goals and objectives of the Bank.
  • Interpersonal Relations (Teamwork) – Interacts effectively with others to establish and maintain smooth working relations.
  • Sales Focus – Providing added value and needs based solutions to clients.
  • Oral Communication – Communicate ideas and information verbally to ensure that information and messages are understood and have the desired impact.



  • Strong oral and written communication skills.
  • Strong sales and customer service skills.
  • Small Business Administration (SBA) 7(a) knowledge, with a strong history of originating new loans and structuring to maximize value to the guaranty on the secondary market.


  • Analyze and interpret numerical data.
  • Analyze and solve problems of a complex nature and make decisions based on a wide knowledge of many factors where application of advanced technical concepts is required for which there are not precedents.
  • Make independent and difficult decisions within parameters of the Bank’s loan policies.
  • Originate new procedures and approaches to problems.
  • Perform duties and make decisions under frequent time pressures.


  • Requires Bachelor’s degree with an emphasis in Accounting or Finance.
  • Requires 2 or more years of banking, finance, or sales related experience.
  • Six months or more credit analysis experience is preferred.
  • Previous background in SBA 7(a) business development is preferred.
  • Requires knowledge of Microsoft Office.


Duties are performed in an office setting and include physical demands such as the manual dexterity and skill to operate standard office equipment. Reasonable accommodations may be made to enable people with disabilities to perform the essential functions of this position.

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