SBA Business Development Officer

We are changing FINANCE to finance CHANGE! At  Climate First Bank , we’re redefining what banking can be. As a Florida Benefit Corporation and FDIC-insured commercial bank, we offer a full suite of personal and business services—including solar, residential, commercial, ESOP Banking, Structured Finance and SBA loans—all designed to power a better future. We’re proud to be a Certified B Corporation, a member of 1% for the Planet, and part of the Global Alliance for Banking on Values (GABV), reflecting our deep commitment to sustainability, transparency, and ethical banking. With branches in  St. Petersburg, Winter Park, Mount Dora , and a growing  digital presence , we’re proving that banking can be a force for good. We don’t just support environmental and social causes—we’re built on them. Under our Holding Company,  Climate First Bancorp , we are also powered by OneEthos.  OneEthos  operates at the intersection of fintech and traditional banking to expand access to inclusive, values-driven financial services. Regulated by the Federal Reserve Bank, it equips Community Banks, Credit Unions, CDFIs, and Green Banks with ethical lending tools—especially in climate finance and solar lending. Join the Movement We’re seeking  driven, mission-aligned  individuals ready to make an impact. If you’re passionate about sustainability, thrive in a fast-paced, results driven environment, and want to be part of something bigger, you will feel right at home. Our team is one of  goal-setters, go-getters, problem solvers, thought leaders, and changemakers . We celebrate wins, tackle challenges head-on, and push boundaries. Fueled by purpose, we thrive where perseverance and passion turn ambitious goals into reality. Thrive at Climate First Bank At Climate First Bank, we’re investing in your future. We offer a comprehensive, people-first benefits package that supports your health, finances, and work-life balance. Compensation   —  In addition to the base salary, this position may be eligible for an annual bonus, incentives and equity. Actual compensation is based on industry salary ranges, internal salary structures, experience, skills and other job-related factors. Health Coverage  —  100% employer-paid for employees; employer contribution for dependents by Us Medical, Dental & Vision Insurance  Health Savings Account (HSA)  Free Telemedicine access via Teladoc   Financial Wellness & Wealth Building 401(k) with 6% Employer Match —  No Vesting Period. Employee Stock Options  Exclusive Employee Banking Perks  0% Financing for Employee Solar Loans  Employee Only Mortgage Product  with exclusive interest rates and terms. 0% Financing for Eligible Electric Vehicles (EVs)  Referral Incentives  Generous Paid Time Off 2–4 Weeks of Vacation  based on officer level plus additional tenure-based time. 64 Hours of Paid Sick Time  for all full-time employees. Protection & Peace of Mind Company-Paid Life Insurance  Short- & Long-Term Disability Insurance Voluntary Life, Accident & Critical Illness Coverage   Employee Assistance Program (EAP)  with free counseling, legal, and financial services. Now Hiring: SBA Business Development Officer We’re looking for a We’re looking for an SBA Business Development Officer who will be responsible for generating new SBA 7(a) and 504 loan opportunities through internal and external referral sources, while structuring compliant lending solutions that support small and medium-sized business growth. What You’ll Contribute: Business Development & Relationship Management Generate new SBA loan opportunities through internal partnerships and external referral networks Build and maintain relationships with clients, prospects, and business partners Partner with bank officers to cross-sell additional banking products and services Loan Structuring & Credit Analysis Structure SBA loan proposals aligned to SBA 7(a), 504, and related programs Review financial information and determine borrower eligibility Conduct initial underwriting and develop credit recommendations Credit Packaging & Documentation Prepare SBA-specific credit memorandums and complete supporting documentation Ensure all packages meet regulatory and SBA SOP requirements Present commitment letters upon loan approval Loan Process Management Coordinate submission of loan packages to underwriting and SBA Partner with processors, attorneys, and clients through closing Follow up on outstanding documentation and ensure timely processing Reporting, Compliance & Support Prepare reports for leadership and complete required compliance training Maintain adherence to BSA, AML, CIP, OFAC, and other regulatory requirements Support special projects and departmental initiatives as needed Champion Our Mission, Protect What Matters Adopt a commitment to environmental, social, economic, and responsible banking practices. Stay informed on regulatory requirements and complete all required compliance training. Support fraud prevention and ensure adherence to bank policies and procedures What makes a stand-out candidate: Experience & Education Bachelor’s degree in business, finance, or related field preferred 3+ years of SBA lending experience Experience with government-guaranteed lending programs (SBA 7(a), Express, 504, USDA) Strong financial analysis, communication, and organizational skills Proven ability to collaborate across teams and manage client relationship Entrepreneurial Self-Starter - You take ownership of your pipeline, proactively generating SBA opportunities through referral networks and market outreach. You think strategically, structure solutions within SBA guidelines, and use data and performance metrics to consistently drive results in a goal-oriented environment. Organization & Efficiency- You effectively manage a high-volume pipeline, keeping deals organized from prospectin