SBA Business Development Officer

Primary Office Location 401 South Graham Street. Charlotte, North Carolina. 28202. Join our team. Make a difference - for us and for your future. Position Title: SBA Business Development Officer 2 Business Unit: Commercial Banking Reports to: SBA Senior Sales Manager Position Overview Responsible for generating $6-12MM of loan volume and $450k of revenue using SBA loan products. Requires continuous marketing to develop and maintain large base of referral sources. Responsible to develop effective processes to identify eligible opportunities, win the deals, develop and submit complete application packages to Credit. Works closely with Credit partners to get loans approved and closely with Closing Partners to get loans closed, both in a timely manner. Requires full understanding of SBF Credit Policies and Processes, SBF Closing Processes, working knowledge of SBA SOP. Primary Responsibilities Actively market using all available resources to develop and grow a network of external and internal referral sources, targeting at least 1000 referral sources in database for email, LinkedIn, and other marketing, and holding regular meetings, sales meetings, and participating in 2‑3 business related groups in the market. Read and interpret tax returns, financial statements, business plans and other information to determine quickly if eligible opportunities meet or exceed SBF credit standards, structure financing options that meet the needs of the borrower, win approval by borrowers, issue Proposal, and get it accepted with deposit and start the full application process. Collect all information and documents on Credit Submission Checklist, organize information within nCino and other systems, complete BDO Loan Summary, consult with Credit Partners during application process, process submission to Credit through nCino, and work with Credit Partner to reach credit decision, review and deliver Commitment to borrower, return to credit with required deposit. Communicate effectively with internal partners, borrowers and referral sources throughout the loan process to maintain transparency, manage expectations, deliver Preliminary Closing Checklist to borrower during credit process to have items needed for closing at the time of approval. Participate in internal handoff call with closing and All Call with closer, borrower, attorneys, insure all third‑party reports are ordered in a timely manner, review all nCino reports and weekly Closing Checklist updates to stay abreast of progress, assist borrower to get Closing Checklist items to closer ASAP, and assist in getting loans closed to the degree necessary to achieve goals. Attend and actively participate in all Sales Meetings, Trainings, Weekly Pipeline Calls, Weekly one‑on‑one calls with management, stay current on all changes to SOP, SBA Information Notices, changes in SBF Credit Policies, accurately maintain loan pipeline information in nCino, and provide all management reports as required. Perform other related duties and projects as assigned. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation’s risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions. Minimum Level of Education Required BA or BS Minimum # of Years of Job Related Experience Required 5 Skills Required Excellent communication skills, both written and verbal Excellent organizational, analytical and interpersonal skills Detail‑oriented Ability to work and multi‑task in a fast paced environment Ability to use a personal computer and job‑related software Excellent project management skills MS Excel – Intermediate Level MS Word – Intermediate Level Bachelor’s or a combination of education and equivalent experience may be considered Experience in banking related external sales and SBA preferred Must be self‑disciplined in time management and work habits, be able to work effectively without supervision to achieve assigned goals Licensures/Certifications Required Valid Driver’s License Physical Requirements or Work Conditions Beyond Traditional Office Work Frequent driving (car, van, truck) Equal Employment Opportunity (EEO) It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. #J-18808-Ljbffr