In the vast majority of the nucleophilic substitution reactions you will see in this and other organic chemistry texts, the electrophilic atom is a carbon which is bonded to an electronegative atom, usually oxygen, nitrogen, sulfur, or a halogen. The concept of electrophilicity is relatively simple: an electron-poor atom is an attractive target for something that is electron-rich, i.e. a nucleophile. However, we must also consider the effect of steric hindrance on electrophilicity. In addition, we must discuss how the nature of the electrophilic carbon, and more specifically the stability of a potential carbocationic intermediate, influences the SN1 vs. SN2 character of a nucleophilic substitution reaction.
Consider two hypothetical SN2 reactions: one in which the electrophile is a methyl carbon and another in which it is tertiary carbon.
Because the three substituents on the methyl carbon electrophile are tiny hydrogens, the nucleophile has a relatively clear path for backside attack. However, backside attack on the tertiary carbon is blocked by the bulkier methyl groups. Once again, steric hindrance - this time caused by bulky groups attached to the electrophile rather than to the nucleophile - hinders the progress of an associative nucleophilic (SN2) displacement.
The factors discussed in the above paragraph, however, do not prevent a sterically-hindered carbon from being a good electrophile - they only make it less likely to be attacked in a concerted SN2 reaction. Nucleophilic substitution reactions in which the electrophilic carbon is sterically hindered are more likely to occur by a two-step, dissociative (SN1) mechanism. This makes perfect sense from a geometric point of view: the limitations imposed by sterics are significant mainly in an SN2 displacement, when the electrophile being attacked is a sp3-hybridized tetrahedral carbon with its relatively ‘tight’ angles of 109.4o. Remember that in an SN1 mechanism, the nucleophile attacks an sp2-hybridized carbocation intermediate, which has trigonal planar geometry with ‘open’ 120 angles.
With this open geometry, the empty p orbital of the electrophilic carbocation is no longer significantly shielded from the approaching nucleophile by the bulky alkyl groups. A carbocation is a very potent electrophile, and the nucleophilic step occurs very rapidly compared to the first (ionization) step.