SBA Business Lending Specialist
On-siteCharlotte, North Carolina, United States
Job Summary
Develop new loan volume via the SBA and USDA B&I Loan Programs by reading Standard Operating Procedures, determining eligibility, and structuring financing packages to meet borrower needs. Generate a referral network of at least 1,000 sources, build business plans, and manage the loan pipeline from application to closing while adhering to federal laws and credit guidelines. Source over $2.5 million in monthly new loan application volume, review financial statements and tax returns, and provide preliminary closing checklists to borrowers and partners. Serve the Southeast and Mid-Atlantic regions, working independently with minimal supervision. This role will be included in the merger with TowneBank and will become a TowneBank position upon conversion in late 2026.
Required Qualifications
- Bachelor's degree in business, finance, or equivalent experience
- A minimum of 5+ years' banking experience in Guaranteed Government lending
- Previous business development experience is essential
- Deep knowledge of the SBA's SOP, and related regulations
- Network of people and resources within the SBA and related organizations
- Knowledge and ability to use SBA systems are necessary to perform under the bank's PLP SBA status
- Ability to coach and develop staff
- Ability to think strategically about staff, competitive position relative to a market, and plan actions accordingly
- Knowledge of business development planning and management at an office level
- Skilled in managing the risk management controls and activities of a lending office
- Thorough knowledge of lending policies and procedures
- Extensive knowledge of commercial banking services
- Excellent managerial, communication, and sales skills
- Ability to perform independently and with minimal supervision
- Exert up to 10 pounds of force occasionally, use your arms and legs, and sit most of the time
- Have close visual acuity to perform activities such as analyzing data, viewing a computer terminal, reading, and preparing documentation
- Not substantially exposed to adverse environmental conditions
Desired Qualifications
- Proficient in computer software, fulfilling the principal responsibilities of the job
- Familiarity with online computer systems
- Proficient with statement spreading programs
- Strong professional, appearance, dress, attitude, interpersonal, and communications skills
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