SBA Loan Officer

About the role

This position originates, structures, underwrites and executes complex SBA 7(a) and 504 lending transactions, including business acquisitions, partner buyouts, ownership transitions, owner-occupied commercial real estate, equipment financing, debt refinancing and working capital facilities. It sits within a First Financial Family organization that invests in employee development and offers a collaborative, diverse workplace.

Key responsibilities

• Originate new SBA loan business with Relationship Managers and their customers, generating leads internally and externally and guiding prospects on SBA lending.
• Evaluate borrowers' financial performance, cash flow, debt service capacity, collateral and risk, then structure financing that fits bank credit policy and SBA SOP requirements.
• Act as a trusted advisor to business owners, Relationship Managers and referral partners, turning complex credit and regulatory requirements into practical financing strategies.
• Lead loans through the full lifecycle: opportunity assessment, pre-screening, financial analysis, underwriting, credit presentation, approval, documentation and closing.
• Collaborate with Relationship Managers and credit partners on deal structuring, risk assessment and client communication.
• Promote bank services and build long-term customer relationships, following a Customer Service First culture and company policies.

Required profile

• Business degree with an emphasis in accounting, finance or marketing, plus credit training; or at least 2 years of commercial lending experience (relevant experience may substitute for the degree).
• Working knowledge of SBA loan products and the SBA Standard Operating Procedures; formal credit training preferred.
• Ability to read financial statements, personal financial statements and tax returns for loan presentations.
• Strong attention to detail, problem-solving and prioritization in a fast-paced, deadline-driven environment.
• Excellent written and verbal communication, customer service and interpersonal skills, and ability to work independently with limited supervision.

Required skills

• Proficiency in Microsoft Word, Excel and related computer applications.
• Commercial credit analysis and underwriting.