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Other
bachelor degree
Posted 16d ago
Apply by Aug 27
~40 hrs/week
Responsibilities
The SBA Business Development Officer drives business growth by sourcing and managing SBA and USDA loan portfolios while maintaining strong client relationships. They are responsible for conducting strategic lead selection, delivering tailored financial presentations, and ensuring compliance with bank underwriting guidelines.
Requirements
Candidates must have 5-7 years of proven sales experience in a financial services environment, including 2-4 years specifically in SBA 7a and 504 lending. A Bachelor's degree in Business, Finance, Economics, or a related field is required.
Full job description
Overview
The Small Business Administration (SBA) Business Development Officer assumes a pivotal role in driving business development initiatives within the bank, primarily focusing on enhancing SBA lending and deposit growth to maintain a leading presence in the local community. This involves actively pursuing and servicing potential and existing clients to secure SBA 7a, 504, and USDA loans. They also oversee the development and management of a diverse business portfolio and associated relationships, using outreach, marketing strategies, and referrals to expand the client base.
In addition to these responsibilities, the role requires selecting and nurturing leads through customized research and delivering tailored presentations that address individual client needs. Acting as a crucial link between customers and the bank, the officer fosters new relationships and facilitates transactions. Success in this position hinges on creative thinking and the ability to exercise discretion and independent judgment in formulating and executing effective business development strategies.
What You'll Do:
Sales and Business Development:
Meets and exceeds individual sales goals while adhering to corporate, legal, and regulatory policies, guidelines, and compliance requirements.
Quickly establishes a consistent SBA business development cadence in the marketplace, including:
Independently conducting strategic lead selection and performing customized research before client meetings.
Independently delivering tailored presentations that address individual client needs and preferences.
Planning and executing effective call strategies.
Conducting client retention calls.
Prospecting for new clients.
Initiating outbound telephone campaigns.
Networking at relevant events.
Sources and cultivates new business relationships.
Maintains and expands a mature Center of Influence (COI) base of community and business leaders, leveraging them to generate referrals and additional business.
Facilitates the sale and execution of SBA guarantees to generate non-interest income.
Financial Product Expertise:
Develops a comprehensive understanding of all financial products, target markets, and solutions, with a strong focus on SBA and USDA credit, fee income, operating accounts, and treasury/cash management structures.
Demonstrates proficiency in all business credit facilities, including Commercial Real Estate (CRE), Lines of Credit, Equipment Financing/Leasing, Factoring, and SBA Financing.
Structures appropriate terms and products based on business needs, useful life, growth plans, debt consolidation, and personal debt transfer.
Risk Management and Compliance:
Independently conducts sales and credit analysis, ensuring proper loan structuring including SBA loan packaging and submission, client interviews, and perceptive character assessments.
Applies basic understanding of business and personal financial statements and tax returns to assess creditworthiness and identify potential risks.
Identifies short and long-term credit facility needs based on business sales cycles, business type, growth plans, and strategies.
Educates prospective clients on the Bank’s underwriting guidelines, SBA programs, and relevant government regulations.
Services, modifies, and/or restructures existing loans as necessary. Monitors clients' creditworthiness and repayment activities.
Directs back-office personnel in resolving credit problems, delinquent payments, and related issues.
Works with attorneys, loan closers, and other staff to ensure timely loan closing and funding.
Internal and External Relationship Management:
Establishes and nurtures partnerships with internal line of business leaders.
Oversees and manages technology platforms and vendor relationships that streamline the SBA loan process within the bank.
Balances business needs with customer requests while managing potential risks to the bank effectively.
Qualifications
2-4 years experience in SBA 7a & 504 lending, selling business related financial services products, or a combination of both.
5-7 years proven track record of meeting and exceeding sales goales in a financial services enviornment, with experience in business development, and sales.
Proven experience in prospecting, offering financial products and services, and effectively referring clients within the financial services industry.
Demonstrated success in building and maintaining relationships with prospects, referral sources, and colleagues.
Strong track record of delivering excellent customer service and support.
Excellent verbal, written, and interpersonal communication skills, with the ability to articulate complex financial concepts clearly and persuasively.
Skilled in delivering dynamic presentations tailored to business clients, showcasing financial products and services effectively.
Extensive knowledge and understanding of the financial services business, including various financial products, regulations, compliance requirements, and market trends.
Familiarity with credit analysis, loan structuring, and underwriting guidelines is advantageous.
Strong networking abilities, capable of building and leveraging relationships with business partners to expand client base and generate referrals.
Proactive and innovative approach to identifying and meeting customer needs, with a creative mindset in developing customized solutions.
Intermediate proficiency in Microsoft Office applications (Word, Excel, PowerPoint) for preparing presentations, reports, and conducting analysis.
Results-oriented mindset with a drive to achieve sales targets and exceed customer expectations.
Ability to thrive in a dynamic, fast-paced environment while managing multiple priorities effectively.
Education
Bachelor's Degree in Business Administration, Finance, Economics, or a related field.
An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.
Special Instructions to Candidates
Equal Opportunity
City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.
Interview Guidelines
To ensure a fair interview process, the use of AI wearables, AT tools, AI applications, or other external assistance is strickly prohibited.
Accommodations
If you require a reasonable accommodation to apply or participate in the hiring process, please contact our Talent Attraction team at [email protected]
Headquartered in Miami, City National Bank of Florida (CNBFL) has long been a trusted financial institution for Floridians. With over $26 billion in assets, CNBFL is among the largest financial institutions based in the state. A subsidiary of Chilean bank Banco de Credito e Inversiones (Bci), City National Bank of Florida continues to operate as a community bank in South Florida with local decision-making.
City National Bank of Florida is rated 5 stars "Superior" by BauerFinancial. CNBFL was voted Best Community Bank, Best Business Bank, Best Bank for Commercial Real Estate, Best Bank for Jumbo Loans, Best Private Bank, and Best Foreign National Mortgage Lender by the readers of the Daily Business Review. CNBFL offers a diversified portfolio of financial products and services from Miami-Dade County to Central Florida.
Social Media Terms of Use: http://bit.ly/CNBsocialterms
Offices: 2855 S Le Jeune Rd, Coral Gables, Florida 33134, US · 100 SE 2nd St, Miami, Florida 33131, US · 390 N Orange Ave, Orlando, Florida 32801, US
Personal BankingResidential MortgagesSmall Business BankingCorporate BankingLeasingSpeciality BankingReal Estate BankingPrivate Client SolutionsTreasury Managementand Online Banking
How many Sales jobs are open in Coral Gables, FL right now?
There are currently 148 open sales positions in Coral Gables, FL listed on Clera. New openings are added daily as companies post roles.
Which companies are hiring for Sales roles in Coral Gables, FL?
Companies currently hiring include Saks Fifth Avenue, City National Bank of Florida, ASM Global, Northwestern Mutual, University of Miami Health System-Uhealth, among others. Browse the listings above to see every active employer.
Are there remote or hybrid Sales jobs in Coral Gables, FL?
Yes — 19 of the 148 open sales positions offer remote or hybrid work (6 remote, 13 hybrid).
How do I apply for Sales jobs in Coral Gables, FL?
Each listing links directly to the employer's application page. Apply early — fresh listings get the most recruiter attention in the first two weeks.