Business Development Officer

Job Details

· Job Title: Vice President, SBA Business Development Officer (BDO)

· Location: Dallas-Fort Worth, TX | Austin, TX | Houston, TX (Remote / Field-Based)

· Base Salary: Competitive Salary (DOE) + Tiered Commission (Realistic OTE: $250,000 – $450,000+)

· Product Focus: SBA 7(a) (Primary)

Position Overview The SBA Business Development Officer is responsible for driving self-sourced commercial loan originations across assigned regional territories. Operating on a direct-lending SBLC platform with national delegated authority, the BDO sources, structures, and shepherds high-quality SBA 7(a) transactions from initial LOI through credit underwriting and closing.

This role is backed by a restructured operations model that pairs sales professionals with dedicated processing and closing desks, allowing originators to maintain high-volume velocity without administrative bottlenecks.

Core Responsibilities

· Origination & Pipeline Generation: Generate $15M–$20M+ in annual SBA 7(a) loan volume through self-established referral sources including commercial loan brokers, CPAs, commercial real estate brokers, M&A advisors, and attorneys.

· Deal Structuring & Pre-Screening: Analyze borrower financial packages, tax returns, and cash flows to assess SBA SOP eligibility and internal credit parameters prior to credit submission.

· Credit Collaboration: Partner with dedicated SBA underwriters and operations staff to position transactions efficiently; address underwriting conditions, structure equity injections, and manage expectations through approval.

· Closing Support: Interface with processing and closing specialists to facilitate smooth document collection, escrow/title coordination, and funding milestones.

· Market Presence: Act as the face of the institution within regional business and finance communities, maintaining high market visibility across Dallas, Austin, or Houston.

Deal Profile & Credit Appetite

· Owner-Occupied Real Estate: Up to $5.0M (Self-storage, flex/industrial, daycares, select hospitality/restaurants, general commercial).

· Business Acquisitions & Partner Buyouts: $500K – $2.9M preferred.

· Debt Refinancing & Working Capital: Integrated transactions across diverse commercial sectors.

Required Qualifications

· Experience: 3–10+ years of active commercial loan origination experience with a dedicated focus on SBA 7(a) lending.

· Track Record: Verifiable recent production track record exceeding $12M–$15M+ annually.

· Referral Network: Established, portable network of professional referral sources; must not rely on branch or business banking internal handoffs.

· Technical Knowledge: Strong command of SBA SOP rules, eligibility standards, business cash-flow analysis, and balance-sheet evaluation.

· Mindset: Entrepreneurial, high-energy producer who thrives on speed of execution, modern lending workflows, and autonomy.

Compensation & Incentives

· Competitive base salary ($115K–$140K) based on historical production.

· Industry-leading secondary market commission grid (20%–30% net tiers).

· Pipeline transition support considered for in-flight Q3/Q4 transactions.

· Full corporate health, retirement, and expense package.