SBA Business Development Officer

A strong, independent community bank, North State has served customers for over 25 years and counting. Headquartered in Raleigh, North Carolina, with offices in Wake and New Hanover counties, the Bank was built on and practices the core values of integrity, hard work, fairness, teamwork, and consistency. We believe it's our calling to add value to the lives of those we serve and to do so with a spirit of friendship. We are a full-service bank with focused divisions for mortgage, government lending, and the community association management industry.


North State Bank has an exciting opportunity for a SBA Business Development Officer. The SBA Business Development Officer develops, evaluates and submits Small Business Loan applications in order to fund SBA and USDA Business & Industry loans for North State Bank. ***Candidates must reside in North Carolina, South Carolina, Florida, Georgia, Mississippi or Tennessee for consideration.***

What You'll Do

Drive New Business Growth

• Generate new SBA and USDA Business & Industry lending opportunities through prospecting, networking, referral development, and outside calling efforts.
• Build and maintain strong relationships with business owners, referral partners, and community organizations.
• Develop and execute strategic marketing initiatives designed to expand lending opportunities within targeted markets.
• Assist in promoting the Bank's full suite of products and services to support long-term client relationships.

Manage the Lending Process

• Develop, evaluate, and submit government-guaranteed loan applications for SBA and USDA Business & Industry programs.
• Gather, analyze, and prepare complete and accurate loan packages for underwriting review.
• Guide borrowers through the lending process from initial inquiry through closing.
• Partner with underwriting, processing, and servicing teams to ensure a smooth and timely client experience.

Build and Maintain Referral Networks

• Develop and maintain a robust referral source database to support ongoing business development efforts.
• Cultivate relationships with centers of influence, including accountants, attorneys, business advisors, and community partners.
• Represent the Bank at industry events, networking functions, and business development activities.
• Leverage referral relationships to identify new lending opportunities and strengthen market presence.

Support Portfolio Performance

• Generate loans that meet established credit quality and portfolio performance standards.
• Maintain a strong understanding of the Bank's credit policies, government lending programs, and regulatory requirements.
• Monitor loan pipelines and provide timely and accurate status updates to management.
• Collaborate with the Servicing Department to assist with servicing-related activities when needed.

Contribute to Continuous Improvement

• Stay informed on changes to SBA and USDA lending programs, regulations, and industry trends.
• Complete required loan submission forms, financial spreads, and supporting documentation.
• Participate in special projects and initiatives that support the growth of the Government Lending Division.

What You Bring

Required Qualifications

• Bachelor's degree in Business, Finance, Management, or a related field, or an equivalent combination of education and experience.
• Five or more years of government lending experience within a community bank or similar financial services organization.
• Strong knowledge of SBA and government lending regulations and programs.
• Proven business development and relationship management skills.
• Excellent verbal, written, and interpersonal communication abilities.
• Strong organizational skills with exceptional attention to detail and accuracy.

Preferred Qualifications

• Experience with USDA Business & Industry lending programs.
• Established network of referral sources within the small business community.
• Experience managing a lending pipeline and developing business through referrals and prospecting.
• Knowledge of commercial credit analysis and underwriting principles.

Key Competencies

We're looking for someone who:

• Is highly motivated to build relationships and generate new business.
• Demonstrates strong sales, networking, and business development skills.
• Provides exceptional customer service and consultative support.
• Communicates effectively with clients, referral partners, and internal teams.
• Manages multiple priorities while maintaining attention to detail.
• Understands the balance between growth, credit quality, and risk management.
• Takes initiative and seeks opportunities to improve processes and results.

Why Join Us?

North State Bank provides competitive compensation and excellent, flexible benefits program. With North State Bank benefits, you have the flexibility to choose what's right for you and your family. We hope you will see it comes down to one simple truth: North State Bank is a great place to work!

North State Bank is an equal opportunity employer and gives consideration for qualified applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity, national origin, pregnancy, genetic information, disability or status as a protected veteran status or any other protected category under applicable federal, state and local laws. VEVRRA Contractor.


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