Business Banking SBA Business Development Officer

Company: Citizens
Location: Campbell
Posted on: June 24, 2025

Job Description:

Description Citizens is currently building out it’s SBA program and is currently recruiting for several Business Development Officers (BDO) throughout the country. The BDO is responsible for sourcing, identifying, and closing new loan opportunities using the SBA 7(a) and 504 loan programs. Primary responsibilities include Develop and implement a personal business plan and marketing strategy to identify areas of opportunity for new business penetration and the creation of a solid contact base of current and potential referral sources. Maintain a referral network targeting business brokers, consultants, lawyers, accountants, and related professionals that results in sufficient lead generation to achieve or exceed sales goals. Structure, present, and guide lending opportunities through the application, underwriting, and closing process to ensure that all SBA requirements are met. Maintain and apply a thorough understanding of bank credit policy and underwriting guidelines while working with Business Credit Services and operations to practice sound risk management and adherence to applicable regulatory requirements. Actively participate in local SBA district events and functions within assigned geographic markets. Personally develop and manage a robust pipeline of SBA loan opportunities through self-sourced activities, including cold calling, attending SBA events, and cultivating COIs. Establish and maintain strong referral networks to generate consistent SBA loan origination across the assigned market. Collaborate with Business Banking partners to deliver a seamless, customer-centric experience that aligns with portfolio growth goals. Foster collaboration with internal stakeholders to ensure alignment across Business Banking teams. Qualifications 5 years of experience in SBA lending, with a proven track record of successful loan origination. In-depth knowledge of SBA loan programs, underwriting guidelines, and compliance requirements. Strong understanding of financial analysis, credit underwriting, and risk assessment. Exceptional sales and negotiation skills with a customer-centric mindset. Strong leadership, mentoring, and communication abilities. Ability to manage multiple priorities in a fast-paced environment. Education: Bachelor’s degree in finance, business, or a related field preferred. Hours & Work Schedule Hours per Week: 40 Work Schedule: Monday through Friday LI-Citizens4 Pay Transparency The salary range for this position is $125,000-155,000 per year plus an opportunity to earn additional incentive earnings. Actual pay is based on various factors including but not limited to the work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of very local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits . Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

Keywords: Citizens, Santa Rosa , Business Banking SBA Business Development Officer, Accounting, Auditing , Campbell, California