What are the responsibilities and job description for the SBA Business Development Officer position at HomeTrust Bank?

Job Summary

The SBA Business Development Officer will be responsible for sourcing a government guaranteed loan pipeline, appropriate structuring of lending opportunities, loan pricing in accordance with the bank's guidelines and fee / premium strategy, providing initial credit analysis for lending activities, and SBA / USDA form processing. Primary responsibilities include active business development and origination of SBA real estate and non-real estate loan products in the business marketplace along with USDA Business and Industry Program loan products.

Key Responsibilities / Essential Functions

Serves as the outward facing representative of the bank regarding SBA and USDA Financing, and is the subject matter expert responsible for taking an initial application through the decisioning, closing, and funding stages of the loan process.
Develops customer relationships, making sure they acquire loan, deposit, and other banking products appropriate to their circumstances, referring non-SBA / USDA opportunities to the appropriate bank partner.
Analyzes the prospective client's financial statements, counsels client on credit record or other concerns, and assists in determining initial qualification of loan program.
Collects required financial and other documentation required to process, underwrite, and close SBA loans with the assistance of internal credit and closing partners and the bank's loan service provider.
Proactively and independently initiates business contacts to develop relationships and promote bank products and services.
Develops and maintains a government guaranteed loan pipeline.
Counsels customers on SBA / USDA business financing needs / process and other business services, completing detailed reviews of loan applications.
Analyzes customer financial status, credit, and property evaluations against SBA / USDA program requirements to determine loan feasibility.
Identifies opportunities for Commercial Lending, Treasury Management, and / or Retail to develop leads and referrals within existing portfolio and priority one customers / targets.
Works with the Portfolio Manager for the collection of any outstanding financial, insurance, and documentation exceptions / items as needed for ongoing guarantee preservation and maintenance.
Maintain confidentiality and security of sensitive information.

Job Requirements

Education :

Bachelor's degree in business, finance, or related field.

Required :

8 years of relevant experience, including SBA lending experience.

Must have recent experience originating SBA loans with an SBA preferred lender.

Must be bondable.

Technically savvy with a curiosity and comfort with various computer systems and ever changing online and mobile banking options.

Demonstrates ability to understand and use bank loan policies and procedures to support positive customer interactions.

Familiarity with all federal and state banking regulations pertaining to lending and consumer compliance, including fair lending laws.

Demonstrates knowledge of credit analysis functions and related requirements and procedures.

Must be a creative and solution-oriented problem solver / decision maker who is able to solve complex problems while adhering to prudent credit management practices, credit policies, regulations, and bank goals.

Adopts an anticipatory rather than reactionary approach to managing their pipeline.and fair in dealing with bank staff and customers.

Is comfortable in agreeing to disagree in some matters, open enough to listen and adapt as appropriate and strong enough to stick to core beliefs when he / she believes it appropriate.

High degree of personal and professional integrity - consistent, trustworthy, honest, and fair in dealing with bank staff and customers.

Proficient knowledge of the SBA SOP and loan programs.

Ability to understand and use the bank's policies and procedures in accordance with the SBA SOP to drive results in a responsible fashion.

Highly effective verbal and written communication skills and presentation skills.

Ability to work independently with strong initiative and results orientation.

Proficient in Microsoft Office products.

Preferred :

Credit experience.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online / mobile channels and multiple locations in Virginia, North Carolina, South Carolina, and Tennessee. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization.

Work Environment, Physical Requirements

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.

Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.

Physical activity requiring reaching, sifting, lifting up to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.

The employee will frequently communicate and must be able to exchange accurate information with others.

The employee may need to move around their office to attend meetings and to access files, machinery or other job-related tools.

DISCLAIMER : HomeTrust Bank is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status, status as a protected veteran, or any other status protected by federal, state, or local law.

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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