SBA Business Development Officer

SBA Business Development Officer | SBA 7(a) & USDA Lending

Company: Voyager Lending, a division of TownBridge Bank
Department: SBA Lending
Job Type: Full-Time/Exempt
Location: Remote

Candidates must be authorized to work in the U.S. without the need for current or future company sponsorship.

Applicants must reside within the geographic footprint of our operating locations.

Join Voyager Lending Company as an SBA Business Development Officer and help small-business owners access financing to acquire, grow, and strengthen their businesses. We're looking for an experienced lending professional who can build referral relationships, originate SBA 7(a) and USDA opportunities, and successfully guide borrowers from initial conversation through funding.

Job Purpose

Voyager Lending is seeking an experienced and results-driven SBA Business Development Officer (BDO) to develop new lending opportunities and market a full range of financing solutions to SBA-eligible small businesses.

This position is responsible for building strong relationships with borrowers and referral partners, originating and structuring SBA 7(a) and USDA loans, obtaining complete financial packages, and working collaboratively with credit and operations teams to move qualified opportunities from initial prospecting through approval and funding.

The ideal candidate combines strong business-development skills with sound credit judgment, an understanding of SBA lending requirements, and a commitment to exceptional client service.

Duties and Responsibilities

Business Development & Loan Origination

• Develop new business opportunities and generate fee and loan income consistent with individual and company production goals.
• Prospect, market, structure, and originate SBA 7(a) and USDA loans.
• Develop and maintain a strong network of referral sources, including business brokers, commercial real estate professionals, CPAs, attorneys, financial advisors, and other professionals serving small-business owners.
• Build long-term relationships with prospective and existing borrowers through responsive, consultative service.
• Identify additional business opportunities and make appropriate referrals to internal partners when applicable.
• Maintain an in-depth understanding of Voyager Lending Company's products, competitors, market conditions, and competitive lending solutions.
• Develop a differentiated sales approach that clearly communicates Voyager's value proposition in the marketplace.

Credit & Transaction Management

• Obtain complete financial packages from prospective borrowers and prepare loan submission packages for credit analysis.
• Follow up with borrowers promptly to obtain additional documentation, financial information, or clarification necessary for timely loan decisions.
• Evaluate prospective transactions using sound business and credit judgment and provide appropriate support for credit recommendations.
• Work collaboratively with credit, underwriting, closing, and operations teams throughout the loan process.
• Communicate approved loan terms to borrowers, obtain required documentation and signatures, and facilitate the progression of approved transactions toward closing and funding.
• Negotiate loan terms on behalf of Voyager while appropriately balancing borrower needs, credit risk, regulatory requirements, and company objectives.

SBA, Regulatory & Compliance Responsibilities

• Maintain current knowledge of SBA lending programs and applicable requirements, including relevant SBA Standard Operating Procedures (SOPs) and federal regulations.
• Stay informed of regulatory developments affecting SBA and government-guaranteed lending.
• Perform assigned responsibilities in accordance with company policies and procedures and applicable state and federal laws and regulations.
• Maintain a satisfactory understanding of responsibilities related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, USA PATRIOT Act, and Office of Foreign Assets Control (OFAC) requirements, as applicable to the position.
• Complete required compliance training and promptly follow applicable reporting and escalation procedures.
• Support Voyager's commitment to equal employment opportunity and a professional workplace free from discrimination and harassment.

Education and Experience

• Bachelor's degree in business, finance, accounting, economics, or a related field preferred.
• Prior experience in SBA lending, commercial lending, business banking, or financial-services business development strongly preferred.
• Demonstrated experience developing referral relationships and generating new lending opportunities.
• Experience originating SBA 7(a), USDA, or other government-guaranteed loans preferred.
• Working knowledge of financial statements, business cash flow, debt-service capacity, and commercial credit analysis.

Knowledge, Skills & Abilities

• Strong sales, prospecting, relationship-management, and negotiation skills.
• Ability to independently develop and manage a pipeline of qualified lending opportunities.
• Strong analytical and critical-thinking skills with the ability to formulate and support credit recommendations.
• Ability to effectively communicate lending structures, requirements, and decisions to borrowers and referral partners.
• Strong organizational skills and ability to manage multiple transactions and deadlines simultaneously.
• Excellent written and verbal communication skills.
• Ability to collaborate effectively with underwriting, credit, closing, operations, and compliance partners.
• Strong attention to detail and commitment to accurate documentation.
• Working knowledge of SBA lending regulations and procedures or the ability to develop advanced knowledge quickly.

What Success Looks Like

Success in this role means consistently building a high-quality pipeline, expanding productive referral relationships, originating sound SBA and USDA lending opportunities, delivering an excellent borrower experience, and maintaining strong credit and compliance standards throughout the lending process.

Equal Opportunity Employer

Voyager Lending, a division of TownBridge Bank is committed to providing equal employment opportunities to qualified applicants and employees. Employment decisions are made without unlawful discrimination or harassment based on any status protected by applicable federal, state, or local law.