SBA Banker III

Location:

Flexibility within the United States

The Small Business Administration (SBA) Banker III is responsible for leading business development with a primary focus on SBA lending while maintaining market leadership presence in the local community. The SBA Banker is responsible for soliciting and servicing prospective clients producing SBA 7a and 504, as well as generating and managing a portfolio of business and corresponding relationships, while seeking new accounts through calling efforts, marketing, and referrals.

Consistently gains the confidence and trust of others through honesty, integrity, and authenticity.

• Establish and maintain a consistent SBA business development cadence in the marketplace, including call planning and follow‑up; client retention calls; new client prospecting; outbound telephone calling efforts; and networking events.
• Maintain and expand a mature Center of Influence (COI) of community and business leaders, leveraging them to gain additional business through referrals.
• Conduct sales, credit analysis, proper loan structuring (SBA loan packaging and submission), client interviewing, and perceptive character judgment.
• Source and build new business relationships.
• Develop a complete understanding of all business credit facilities, including structuring proper terms and products based on business need, useful life, and growth plans.
• Analyze business and personal financial statements and tax returns to identify credit worthiness and potential risk.
• Identify short‑ and long‑term credit facility needs based on business sales cycle, type of business, growth plans, and strategy.
• Educate prospective clients about the Bank’s underwriting guidelines, SBA programs, and applicable government regulations.
• Coordinate with attorneys, loan closers, and other staff to ensure timely loan closing and funding activities.
• Balance business needs with customer requests while managing potential risk to the bank.
• Adhere to Seacoast Bank’s Code of Conduct and comply with BSA/AML/OFAC regulations and guidelines.
• Act as a mentor to junior level SBA lenders within Seacoast Bank.
• Accept loan bahan and collect required applicant information while following fair lending standards, ensuring fair and equal treatment to all applicants, practices ethical sales behaviors, proactively resolves customer concerns, and escalates issues to the next level of authority as needed.

• High School Diploma or equivalent required.
• College degree in a finance‑related discipline preferred.
• 5+ years of directly related SBA experience preferred.
• 10+ years in business development and/or financial services experience required.
• Excellent communication (written and verbal) and interpersonal skills.
• PC proficiency across Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite.

All Associates are required to adhere to the highest legal and ethical standards applicable. Seacoast Bank policy requires familiarity and compliance with regulatory, legal, ethical, and risk mitigation requirements, including timely completion of annual required training post‑hire and effective execution of role responsibilities.