SBA Business Development Officer

Job Type Full-time Description Who We Are : FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs. What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location. If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family! Recent Achievements Speak Louder Than Words: 2024 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets 2023 - American Banker - "Top 5" Community Bank in the Country #4 2023 - OTCQX - Best 50 Companies #3 2023 - 5-star Rating Bauer Financial What You Should Expect While Working at FFB: Company ownership through our Employee Stock Ownership Program (ESOP) A friendly, close-Knit work culture that encourages growth Opportunities to Participate in Community Networking Events Benefits Package o Medical/Dental/Vision o Life Insurance o Paid Vacation o 401(k) Retirement Plan o Training & Development o Tuition Reimbursement o Employee Assistance Program o Internal Job Posting & Referral Program Ideal Candidate: FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: Teamwork - We collaborate, hold each other accountable, and win together. Relationship - We are trustworthy, transparent, and respectful. Authentic - We are humble, vulnerable, and we speak up. Commitment - We are owners...Be hungry, responsive, and have a sense of urgency. About the Position : The Government Guaranteed Lending Department (SBA) Business Development Officer is responsible for soliciting, and developing loan transaction within the SBA 7(A), 504, and USDA B&I loan programs in the Pacific Northwest. These transactions are to be in compliance with the Bank's and the specific Agencies' lending policies and procedures; promotes business for the Bank by maintaining good customer relations; and refer customers to the appropriate staff for other services offered by the Bank. The position of SBA Business Development Officer is responsible for assisting in attaining his or her established production goals, as well as, department and Bank goals through active participation officer calling programs and provides guidance and support to less experienced loan officers and other staff members. Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations. Essential Duties: Engages in business development activities and solicitation of new business in targeting the Government Guaranteed Lending sector and is actively involved in the sales environment. Must be able to self-source eligible loans. Interviews prospective applicants and requests specified information related to loan or credit application; corresponds or re-interviews applicants to resolve questions regarding application information. Performs pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of the specific program requirements, Bank credit culture, and current economic and industry trends. Meets with existing or potential customers; visiting sites of loans; negotiates loan terms and conditions. Drafts proposal letters and facilitates the exchange of information and documentation where request by underwriter or management which are necessary to complete the loan analysis for presentation to Senior Management or Directors' Loan Committee. Maintains a working knowledge of the SBA S.O.P., and other regulation manuals and the like, to maintain a functioning knowledge of the Government Guaranteed Loan Programs. Coordinates with loan processor / closer and loan underwriter to assist with any customer needs throughout the loan transaction. Contributes to the overall profitability of the department and bank; implements costs controls, income generation, and department marketing efforts; monitors expenses to ensure compliance with the department budget. Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees. Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition. Represents the Bank in various community, civic, and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena. Cross sells the Bank's other products and services, referring customers to appropriate staff as indicated. Provides leadership and training to less experienced loan officers and other staff members. Responds to inquiries or refers inquiries to the appropriate department or person, and exhibiting the necessary follow through with customers and/or staff involved. Consistently applies superior decision-making techniques pertaining to inquiries, and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development. Assumes responsibility for special projects; gathers data and prepares reports for Senior Management, audits and other personnel, if the need arises. Plays a positive role in the development and growth of assigned branch staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross trained staff. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities. Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one's own actions and conduct. Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position. Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions. Requirements Bachelor's degree (BA) or equivalent from an accredited college or university; 3 years related experience and/or training; or the equivalent combination of education and experience. Proven lending pipeline of at least $12MM annually. Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas. SBA credit or underwriting highly preferred. Advanced experience, knowledge and / or training in Government Guaranteed Lending. Advanced knowledge and training in all lending activities and terminology. Advanced knowledge of related state and federal lending and compliance regulations, and other Bank lending policies. Proven ability to develop marketing and business development skills with customers. Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Intermediate skills in computer terminal and personal computer operation; mainframe computer system; word processing, spreadsheet and specialty software programs. Intermediate typing skills to meet production needs of the position. Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs. Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, write reports, correspondence and procedures, speak clearly to customers and employees. Ability to deal with complex problems involving multiple facets and variables in non-standardized situations. Ability to work with no supervision while performing duties. Current California driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities. Salary Description $110,000-$130,000

Created: 2024-11-05