SBA Banker III

SBA Banker III – Seacoast Bank

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 role includes soliciting and servicing prospective clients producing SBA 7a and 504 loans, managing a portfolio of business relationships, and seeking new accounts through calling efforts, marketing, and referrals. The banker consistently gains confidence and trust through honesty, integrity, and authenticity.

• Business Development
  :
  • Quickly establish a consistent SBA business development cadence in the marketplace.
  • Call Planning and Follow-Up
  • Client Retention Calls
  • New Client Prospecting
  • Outbound Telephone Calling Efforts
  • Networking Events
  • Maintain and expand a mature Center of Influence (COI) base of community and business leaders, leveraging them to gain additional business through referrals.
  • Responsible for sales, credit analysis, proper loan structuring, client interviewing, and perceptive character judgment.
  • Source and build new business relationships.
• Credit Acumen
  :
  • Complete understanding of all business credit facilities.
  • Structuring proper terms and product based on business need, useful life, and business growth.
  • Basic understanding of business and personal financial statements and tax returns to identify credit worthiness and risk potential.
  • Identify short- and long‑term credit facility needs based on business sales cycle, type of business, growth plans, and business strategy.
  • Educate prospective clients about the bank’s underwriting guidelines, SBA programs, and applicable regulations.
  • Coordinate with attorney, loan closer, and other staff to assure 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 applicable policy & procedure, including BSA/AML/OFAC compliance and Fair Lending standards.
  • Serve as a mentor to junior SBA lenders.
• Education and/or Experience
  :
  • High School Diploma or equivalent required.
  • College degree in a financial‑related discipline preferred.
  • 5+ years of directly related SBA experience preferred.
  • 10+ years in business development and/or financial services experience required.
  • Demonstrate excellent communication (written and verbal) and interpersonal skills.
  • PC proficiency in Desktop, Laptop, Tablet, and Smartphone devices as well as Microsoft Office Suite.

The statements above describe the general nature and level of work performed by people assigned to this position. This job description is used for a variety of purposes including job evaluations, performance reviews, recruitment, etc. All associates are required to adhere to the highest legal and ethical standards applicable to our industry.