SBA Business Development Officer

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 markets using all available resources to develop and grow network of external and internal referral sources. Position has target of at least 1000 referral sources in database for email, LinkedIn, and other marketing. Expectation to hold regular meetings with primary referral sources, hold sales meetings, actively participate in 2-3 business related groups in market

Reads and interprets tax returns, financial statements, business plans and other information to determine quickly if eligible opportunities meet or exceed SBF credit standards. Structures financing options that meets the needs of the borrower, wins approval by borrowers, issues Proposal, gets it accepted with deposit and starts the full application process.

Collects all information and documents on Credit Submission Checklist. Organizes information within nCino and other systems, completes BDO Loan Summary. Consults with Credit Partners during application process. Processes submission to Credit through nCino. Works with Credit Partner to reach credit decision, reviews and delivers Commitment to borrower, returns to credit with required deposit.

Communicates 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 in hand at 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. 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. Provide all management reports as required.

Performs 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 to Perform the Primary Responsibilities of this Position:

BA or BS

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

5

Skills Required to Perform the Primary Responsibilities of this Position:

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

Bachelors 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 to Perform the Primary Responsibilities of this Position:

Valid Drivers 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.