Banking, Small Business, Credit Administration, Lending
4 Year Degree
The Small Business Administration (SBA) Banker 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 JOB FUNCTIONS:
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
Comprehensive 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.
Develop and maintain 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.
Aptitude to source and build new business relationships.
Coordinates 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.
Comprehensive 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 the personal debt to business.
Basic understanding of business and personal financial statements and tax returns to identify creditworthiness and identifying risk potential.
Ability to identify short and long term credit facility needs based on the 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’ creditworthiness and repayment activities.
Coordinates and assists back office personnel in resolving credit problems, delinquent payment issues, and other related affairs.
Coordinates with the 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.
Adheres to policy & procedure of Seacoast Bank and must comply with BSA/AML/OFAC regulations and guidelines.
Proactively seek continuing education opportunities to enhance credit skills.
High School Diploma or equivalent required.
College degree in a financial related discipline preferred.
3+ years of directly related SBA experience preferred.
5+ 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.
About Seacoast Bank
Seacoast Bank founded in 1926 - a local bank in the communities we serve and proud of it. We exist today to learn and understand the needs of our customers and communities and then work hard to provide solutions.Our expertise and experience enable us to help simplify the financial part of your life, and therefore free up your time and energy for other activities. After all, finances affect nearly every aspect of our daily lives in one way or another.You will come to know us as your trusted advisor. We believe in old fashioned integrity and trust and try to do what is right every single day. Local decision makers with local phone numbers are always available to you. That, together with just the right amount of technology, makes us a perfect fit for you.
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