Senior Small Business Administration Business Development Officer

Northwest Bank is seeking a Senior Small Business Administration Business Development Officer responsible for leading business development with a focus on SBA lending and deposit growth. The role includes developing banking relationships, managing a portfolio, and promoting business opportunities within the community.

Responsibilities:

• Develop new and expanding existing business banking relationships
• 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
• Develop partnerships with Branch Managers, Treasury Management Advisors and Trust and Investment Advisors to promote additional business opportunities and profitability for Northwest
• 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
• Responsible for sales, initial credit analysis, proper loan structuring (SBA loan packaging and submission)
• Interview applicants to develop information concerning their financial needs and repayment ability in order to assess acceptable level of risk
• Educates prospective clients about the Bank’s underwriting guidelines, SBA programs and all applicable government regulations
• Follow current loans to ensure complete compliance with terms
• Proactively keep abreast of industry trends
• 75% of calls prospecting new clients and relationships
• Achieve and exceed budget goals as assigned by Region
• Actively participate in community affairs
• Encourage clients to maintain their personal banking at Northwest
• Manage Business Banking SBA portfolio of both credit and noncredit clients
• Prepare electronic loan applications for submission to Credit
• Make loan presentations and recommendations to Credit, team leaders and senior line of business managers as required
• Partner with credit to ensure annual reviews and line of credit renewals are completed on a timely basis
• Ensure noncredit clients have appropriate treasury management and other related commercial services
• Ensure risk ratings are appropriate based on your knowledge of the client
• As required, collect on delinquent accounts
• Analyze financial statements and related credit material to assess risk on a continuous basis
• Complete loan closings as required
• Provide credit information and references for internal review as requested
• Ensure all credit files include current financial statements, agency reports, etc
• Participate in continued sales and credit training
• Complete all required Compliance training in a timely basis
• Ensure compliance with all Regulatory requirements
• Acts as a mentor for branch and partner SBA needs
• Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
• Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
• Work as part of a team
• Work with on-site equipment

Requirements:

• 6 - 8 years SBA Banking Relationship Management experience required
• 6 - 8 years formal credit training
• 6 - 8 years experience consistently delivering strong sales performance and ability to lead a team towards similar results
• 6 - 8 years strong prospecting experience
• Knowledge of all Treasury Management services
• Knowledge of credit, SBA (Express, SBA 7a, and SBA 504), and noncredit services and products
• Bachelor's Degree Business, Accounting, Finance, Economics, or Marketing preferred