Position Overview:
Outclient is seeking an SBA Loan Officer to help small business owners get the capital they need to start, buy, and grow their businesses through U.S. Small Business Administration loan programs. This banker finds and develops new SBA relationships, structures loans that work for both the client and the Bank and guides each deal from first conversation through closing.
The role blends business development with hands-on lending expertise. It suits someone who knows SBA programs inside and out, enjoys working directly with entrepreneurs, and takes pride in building a strong, well-managed portfolio.
Key responsibilities
Business development
- Generate new SBA loan opportunities through prospecting, networking, and community outreach
- Build referral relationships with CPAs, attorneys, business brokers, commercial real estate agents, franchise organizations, and economic development groups
- Partner with branch and commercial teams to identify clients who are a good fit for SBA financing
- Represent the Bank at Small Business Development Centers, SCORE chapters, Chambers of Commerce, and industry events
- Meet or exceed annual loan production, fee income, and deposit relationship goals
SBA Loan Origination and Structuring
Originate and structure loans across SBA programs, including:
- SBA 7(a), including Standard, Small Loan, and Express
- SBA 504, working with Certified Development Companies (CDCs)
- SBA lines of credit (CAPLines) and export programs where appropriate
- Typical uses include business acquisitions, partner buyouts, owner-occupied commercial real estate, equipment, working capital, franchise financing, and debt refinancing.
Credit Analysis and Underwriting:
- Analyze business and personal financial statements, tax returns, cash flow, collateral, and management experience
- Confirm eligibility and size standards, credit elsewhere, and use of proceeds under the SBA Standard Operating Procedures (SOP)
- Prepare clear, well-supported credit presentations for loan committee
- Use the Bank's Preferred Lender Program (PLP) authority responsibly and in line with SBA requirements
Closing and Compliance:
- Coordinate with loan operations, closing, and outside counsel to deliver complete, accurate SBA loan packages
- Manage E-Tran submissions, guaranty requests, and required SBA forms and authorizations
- Ensure every loan meets SBA, Bank policy, and regulatory requirements to protect the guaranty
- Support secondary market sales of guaranteed portions where applicable
Portfolio Management:
- Manage an assigned SBA portfolio, including annual reviews, covenant monitoring, and risk rating updates
- Spot early warning signs and work with clients and credit partners on solutions
- Support servicing actions, modifications, and SBA reporting
- Grow full relationships by cross-selling deposits, treasury management, and other Bank services
Client Experience:
Guide business owners through the SBA process with clear expectations and timely communication
Serve as a trusted advisor on financing options, even when a conventional loan is the better fit
Qualifications:
Education:
- Bachelor's degree in finance, accounting, business, or a related field preferred, or equivalent lending experience
- Formal credit training or SBA lending certification (such as NAGGL training) a plus
Experience:
- 3–5+ years of commercial or small business lending experience
- 2+ years of direct SBA 7(a) and/or 504 origination experience
- An established network of referral sources and a track record of meeting production goals
- Experience working within a Preferred Lender Program (PLP) bank preferred
Skills that set you up for success:
- Working knowledge of the SBA SOP, E-Tran, and SBA eligibility rules
- Strong financial analysis skills, including business cash flow and global debt service
- Clear, confident communicator who can explain complex financing in plain terms
- Self-motivated and organized, able to manage several deals at once
- Comfortable with loan origination software and Microsoft Office