Why Work for GCBB?
- 20-30 days PTO, with the ability to rollover or get paid for 5 days, plus 11 Federal holidays
- Employee Assistance Program
- Life and AD&D Insurance n Short- and Long-Term Disability Insurance n Employees will be eligible for stock options. Stock options have 10 year life, vest in 3 years and if you reach 10 years of service or age 65 and leave the bank, the options expire at end of 10 year life
- GCBB pays 100% Health, Vision, and Dental for colleagues
- 401K - 4% match in 2023, 5% match in 2024; 6% in 2025
- Focus on helping colleagues reach personal dreams and goals through Dream Manager
- Monthly coaching for team to help colleagues become successful
- Profit sharing & defined incentive plan for all colleagues
We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
See below for current job opportunities
Commercial Loan Officer - SBA Specialist
The Commercial Loan Officer – SBA Specialist is responsible for originating, structuring, underwriting, and managing a portfolio of commercial and SBA loans (primarily 7(a) and 504). This role combines business development and relationship management with credit analysis and portfolio oversight, supporting loan growth, deposits, and fee income.
The position focuses on Southwest Florida small businesses across industries such as tourism, real estate, healthcare, and professional services, leveraging SBA programs to support growth while managing risk.
Core Responsibilities
Business Development & Relationship Management
- Generate new loan opportunities through networking, referrals, and community engagement
- Focus on SBA and conventional lending (C&I, CRE)
- Build and maintain client and referral relationships
- Cross-sell deposits and treasury services
- Meet loan, deposit, and fee production goals
Loan Origination & Underwriting
- Analyze financials, tax returns, and cash flow
- Structure loans within bank policy and SBA guidelines
- Prepare and present credit packages to Loan Committee
- Ensure SBA compliance and submit guaranty requests
- Negotiate loan terms with clients and advisors
Portfolio Management
- Monitor loan performance and conduct periodic reviews
- Maintain risk ratings and covenant compliance
- Coordinate with internal teams for closing and servicing
- Address and manage problem loans as needed
Compliance & Risk
- Adhere to bank policy, SBA SOP, and regulatory requirements (BSA/AML, fair lending, Reg B)
- Work with internal and external partners (credit, legal, SBA, appraisers)
Community Engagement
- Represent the bank in local business organizations and community initiatives
Qualifications
Required
- 5+ years commercial lending experience
- 2–3 years SBA lending (7(a)/504)
- Strong credit analysis and underwriting skills
- Proven production and portfolio management performance
Preferred
- Community bank experience
- Existing book of business or local network
- Knowledge of Southwest Florida industries
- Experience presenting to Loan Committee or lending authority
Skills
- SBA program expertise and SOP knowledge
- Financial analysis, cash flow, and risk assessment
- Strong communication and relationship-building
- Proficiency in Excel, Word, and lending systems
Compensation & Benefits
- Competitive salary + performance bonuses
- 100% paid health, dental, and vision
- 401(k) with match, life insurance (up to $400K), disability coverage
- PTO (minimum 15 days) + 11 federal holidays
- Stock options and additional benefits