CivicMinds, Inc
SBA Business Development Officer (VP/SVP)
CivicMinds, Inc, Phoenix, Arizona, United States, 85003
RESPONSIBILITIES:
Develop and cultivate new SBA lending opportunities including both 7A and 504 loan programs. The BDO will build and network prospects utilizing both internal and external referral resources and follow up on marketing leads we supply. The positions primary focus includes sourcing and procuring SBA loan products for portfolio growth. The BDO will gather applications, perform financial analysis of required cash flow, and present the package within credit policy requirements. This position will also provide financial counsel to current and prospective customers using our invented and proprietary tools.
This position will establish relationships with an internal Business Banking Relationship Manager to deepen and expand on long term banking relationship(s). If interested, you may also originate non-SBA, C&I commercial business and CRE loans. Duties include:• Generate new SBA 7a and 504 program loans from small business clients in accordance with established annual goals and objectives.• Prescreen loans with knowledge of SBA for proper structure, conformity, and eligibility with respect to the applicable loan program.• Identify opportunities to solve client issues by obtaining sufficient information from applicants to analyze the loan request appropriately.• Maintain continual dialogue and close working relationship with other bank officers, centers of influence, referral resources, etc.• Assist Business Banking team to cross-sell deposit, trade, cash management, asset management and other banking services.• Responsible for developing a loan consideration memo for the credit department based on the information received from the prospect.• Responsible for assisting client through the end-to-end loan process, assisting internal team members with obtaining all necessary documentation needed to close the transaction, and to follow up on any exceptions or account matters.• Responsible for ensuring compliance with all aspects of job-related laws and regulations, including timely, and successful completion of all online or in-person training required by Integro Bank.• Participate in community and business functions/groups to provide a positive image for the bank within the marketplace. Establish referral contacts within the community. Attend local COI and SBA functions to establish Integro Bank's presence and cultivate CDC relationships.
QUALIFICATIONS:
Knowledge, Skills & Abilities• Demonstrate 2 to 25 years prior business success in SBA Lending/Sales• Demonstrated knowledge of SBA products and policies• Excellent verbal, written, and interpersonal communication skills• A team player able to work effectively in a team fostered, multi-tasking environment• Proficient in Microsoft Office suite and interested in learning about our high tech invented technology solutions• Ability to work independently and develop relationships based on overall profitability and revenue generation.• Strong working knowledge of financial analysis including cash flow, balance sheet, financial ratios, collateral, economic and industry analysis.
Education & Experience• Bachelor's Degree or equivalent experience preferred.• Prior relationship management experience• Strong Sales experience required• SBA 7A and/or 504 experience required
Develop and cultivate new SBA lending opportunities including both 7A and 504 loan programs. The BDO will build and network prospects utilizing both internal and external referral resources and follow up on marketing leads we supply. The positions primary focus includes sourcing and procuring SBA loan products for portfolio growth. The BDO will gather applications, perform financial analysis of required cash flow, and present the package within credit policy requirements. This position will also provide financial counsel to current and prospective customers using our invented and proprietary tools.
This position will establish relationships with an internal Business Banking Relationship Manager to deepen and expand on long term banking relationship(s). If interested, you may also originate non-SBA, C&I commercial business and CRE loans. Duties include:• Generate new SBA 7a and 504 program loans from small business clients in accordance with established annual goals and objectives.• Prescreen loans with knowledge of SBA for proper structure, conformity, and eligibility with respect to the applicable loan program.• Identify opportunities to solve client issues by obtaining sufficient information from applicants to analyze the loan request appropriately.• Maintain continual dialogue and close working relationship with other bank officers, centers of influence, referral resources, etc.• Assist Business Banking team to cross-sell deposit, trade, cash management, asset management and other banking services.• Responsible for developing a loan consideration memo for the credit department based on the information received from the prospect.• Responsible for assisting client through the end-to-end loan process, assisting internal team members with obtaining all necessary documentation needed to close the transaction, and to follow up on any exceptions or account matters.• Responsible for ensuring compliance with all aspects of job-related laws and regulations, including timely, and successful completion of all online or in-person training required by Integro Bank.• Participate in community and business functions/groups to provide a positive image for the bank within the marketplace. Establish referral contacts within the community. Attend local COI and SBA functions to establish Integro Bank's presence and cultivate CDC relationships.
QUALIFICATIONS:
Knowledge, Skills & Abilities• Demonstrate 2 to 25 years prior business success in SBA Lending/Sales• Demonstrated knowledge of SBA products and policies• Excellent verbal, written, and interpersonal communication skills• A team player able to work effectively in a team fostered, multi-tasking environment• Proficient in Microsoft Office suite and interested in learning about our high tech invented technology solutions• Ability to work independently and develop relationships based on overall profitability and revenue generation.• Strong working knowledge of financial analysis including cash flow, balance sheet, financial ratios, collateral, economic and industry analysis.
Education & Experience• Bachelor's Degree or equivalent experience preferred.• Prior relationship management experience• Strong Sales experience required• SBA 7A and/or 504 experience required