SBA Business Development in Monterey, California at MONTEREY COUNTY BANK

The SBA Business Development Officer is responsible for developing, originating, and managing government-guaranteed and conventional small business lending opportunities that support the growth strategies of Monterey County Bank. This position cultivates relationships with business owners, Centers of Influence (COIs), referral partners, and community organizations to identify financing opportunities and deliver customized lending solutions.

The SBA Business Development Officer evaluates client financing needs, structures appropriate credit facilities, and serves as the primary relationship manager throughout the lending process. Working closely with Credit Administration, Underwriting, Loan Operations, and other internal partners, the incumbent guides loan requests through approval, closing, and ongoing portfolio management while ensuring a high level of client service.

This position is expected to generate profitable new business relationships, expand the Bank's presence within the small business community, and contribute to overall loan growth objectives while maintaining sound credit quality, adherence to Bank policies, regulatory requirements, and current SBA program guidelines. The role requires strong business development skills, credit acumen, and a commitment to building long-term client relationships that align with the Bank's mission and strategic goals.

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field preferred. An equivalent combination of education and relevant banking experience may be considered.
• Five or more years of experience in SBA lending, commercial lending, business development, relationship banking, or a related financial services role preferred.
• Demonstrated success developing new business relationships, generating loan production, and managing a sales pipeline.

• Working knowledge of SBA 7(a) and 504 lending programs, including eligibility requirements, loan structuring, documentation, and closing procedures.
• Understanding of commercial credit analysis, including financial statement analysis, cash flow evaluation, debt service coverage, collateral assessment, and credit risk identification.
• Knowledge of small business banking products and services, including commercial loans, deposits, and treasury management solutions.

• Strong business development, networking, and relationship management skills with the ability to build referral sources and expand market presence.
• Excellent verbal, written, interpersonal, negotiation, and presentation skills.
• Ability to effectively communicate lending concepts and financial solutions to business owners and referral partners.
• Strong organizational and time management skills with the ability to manage multiple priorities, meet deadlines, and maintain attention to detail.
• Ability to work independently while collaborating effectively with credit, underwriting, loan operations, and other internal partners.
• Sound judgment, professionalism, integrity, and the ability to maintain confidentiality.

• Proficiency in Microsoft Office Suite and the ability to learn and utilize loan origination systems, customer relationship management (CRM) platforms, financial analysis tools, and other bank technology systems.

• Valid driver's license and reliable transportation.
• Ability to travel throughout Monterey County Bank's service area and attend occasional business development, networking, community, and Bank-sponsored events outside of regular business hours.