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SBA Business Development Officer (Work at Home)

Location Michigan Req. Number201008 Category Sales Full/Part Time F Shift 1st Shift


As an employee of Citizens Bank you become part of an organization committed to serving customers, colleagues and communities in which we do business. Citizens Bank is an established and successful financial services company with national presence and the ability to conduct business globally.  We are committed to offering comprehensive and competitive benefits, encouraging our colleagues to develop and grow their careers, and providing a fiscally sound and stable work environment while delivering to our customers.

Citizens Consumer Deposit and Lending’s mission has long been delivering the simplest, fastest, most hassle-free banking experience in the U.S.

Our goal in Business Banking is to make a difference each day by understanding the distinctive needs of our customers. Through a teamwork oriented approach and a variety of leading product solutions, we make a difference by focusing on the relationship with the customer—not just the transaction—to strengthen local businesses and the communities around them in unique and personalized ways.

Our team provides you with the tools you need to succeed and build your banking career: a network of support from your peers, the sales and technical resources necessary to provide superior customer solutions and an informal and approachable management team there to guide you along the way. To top it off, we invest in you as a colleague with our Business Banking University, Drive Sales training and weekly development sessions to ensure you are well-positioned for a successful career.

Take the next step in reaching your potential and join our Business Banking team today!

Citizens Bank is currently searching for an SBA Business Development Officer to join our Business Banking Team. As a SBA Business Development Officer, you will be responsible for sourcing, identifying, and closing new loan opportunities using the SBA 7(a) and 504 loan programs. Establishing and maintaining a proven network of referral sources from which one can generate a sufficient number of new opportunities to promote the origination of SBA loans in an assigned market will be a primary focus of the position. In addition, you will play a key role in building collaborative relationships with our internal partners across Business Banking, while delivering an exceptional customer experience designed to grow our SBA loan portfolio. 

Primary Responsibilities Include:

Establishing and sustaining a referral network targeting business brokers, consultants, lawyers, accountants, and related professionals that results in sufficient lead generation to achieve or exceed sales goals

Developing and implementing a personal business plan and marketing strategy to aid in identifying areas of opportunity for new business penetration, and the creation of a solid contact base of current and potential referral sources.

Working with internal partners to assist in structuring, presenting, and guiding lending opportunities through the application, underwriting, and closing process to ensure that all SBA requirements are met.

Maintaining and applying 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. 

Active participation in local SBA district events and functions within assigned geographic markets.

SBA program at Citizens within the 11 state footprint across the Northeast and Midwest - MA/NH/VT/CT/RI/NY/PA/MI/OH/NJ/DE.


10 years of financial services industry experience.

5 years in commercial lending with expertise in the use and application of the SBA 7(a) and 504 loan programs. 

Must have deep SBA brokerage contacts that will refer variable rate 7(a) business.

Thorough knowledge and understanding of SBA Standard Operating Procedures (SOP), program eligibility, credit criteria and loan structure requirements.

Proven track record of sales and outside calling skills.

Local market knowledge and the ability to develop, retain and expand relationships with Centers of Influence.

Professional organization, interpersonal and communication skills - both written and verbal.

Proficient in MS Office applications and familiarity with the Saleforce CRM Platform.

BS Degree or Higher in Business, Finance, Economics, or related disciplines.

Hours & Work Schedule
Hours per Week:  40
Work Schedule:  Monday - Friday; 8:00 am - 5:00 pm

*This role can office anywhere in the Citizens Bank footprint

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.

Equal Employment Opportunity

It is the policy of Citizens Bank to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, ethnicity, religion, gender, pregnancy/childbirth, age, national origin, sexual orientation, gender identity or expression, disability or perceived disability, genetic information, citizenship, veteran or military status, marital or domestic partner status, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer/Disabled/Veteran

Citizens Bank is a brand name of Citizens Bank, N.A. and each of its respective subsidiaries.