Are you a top SBA producer looking to expand your income? Are you frustrated with your current situation and want to explore new horizons? At Celtic Bank, our Business Development Officers are proven, top industry performers who genuinely have a passion to help customers obtain smart financing for their small businesses. Celtic Bank Business Development Officers have the option of focusing locally and/or working nationally through approved referral sources. Our extremely competitive incentive plan combined with full suite of financial products provides opportunity for high earnings potential. Celtic Bank also provides full marketing and operational support to help meet business plan objectives and most importantly to properly service our partners and small business customers. Job Summary The Business Development Officer is responsible for oversight of all aspects of Small Business Administration (SBA) customer relationships including business development, risk management, operations, underwriting and relationship management. Summary of Essential Job Functions + Originate Small Business Administration (SBA) loans, equipment leasing and Asset-Based Lending (ABL) financing transactions for small businesses nationwide. + Develop and cultivate relationships with customers and brokers who market directly to small business owners. + Utilize networking and referrals to generate business leads and identify potential small business owner borrowers. + Develop and expand market penetration in assigned locations and markets. + Demonstrate the value of Celtic Bank’s entrepreneurial lending philosophy and its ability to serve the needs of small business owners nationwide. + Develop marketing and sales strategy in collaboration with the Chief Business Development Officer and Celtic Bank’s marketing group. + Generate leads, develop completed financing applications, submit loan packages to underwriting and present loan credits to Credit Committee. + Recognize target market credit opportunities and present funding solutions. + Obtain customer-signed commitments after loan approval and coordinating the funding of transactions with the Bank’s Operations Group. + Achieve annual production goals. + Active use of Salesforce and other supporting origination systems to support deal flow. Requirements Basic Education and Experience + Bachelor’s degree or equivalent work experience. + Five or more years of sales experience in the financial services industry. + Strong SBA industry experience preferred Addtional Required Skills and Experience + Proven sales ability in serving the financial needs of Small Business Owners with ability to expand business opportunities. + Proven production of $10MM to $12MM+ per year over the previous three years. + Marketing and risk management experience. + Strong credit and commercial lending skills. + Working knowledge of financial statements, cash flow analyses and loan structuring. + Basic understanding of the SBA Loan Program. + Exceptional interpersonal, verbal and written communication skills. + Strong account relationship management and business development/b2b sales skills. + Active referral network preferred. + Position may be based in preferred national location. Benefits + TEAM LEAD OPPORTUNITIES AVAILABLE!!!! + Aggressive financial incentives for performance + Medical, dental, vision + 401(k) with employer match + Life and long-term disability coverage + HSA and FSA plans + Holidays and paid time off requests + Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2023 ! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. + Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. + Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. + Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. + Work Model: The employee in this position will work either a fully Onsite, Hybrid or Remote work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions.