SBA Relationship Manager

Position Summary

The SBA Relationship Manager reports to the SBA Market President. Originates loans and offers products and services to business and professional clientele. Establishes, develops, and retains customer relationships through referrals and business development. Responsible for the development and maintenance of a loan portfolio and providing high quality, value-added client service.

Essential Duties & Responsibilities

• Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
• Take time to understand applicant’s business/management
• Provide applicant bank products and services that enhance business success
• Accept credit applications; interview loan applicants
• Review applications and credit histories
• Review and analyze credit reports and financial information
• Evaluate existing and projected company cash flow
• Determine value of collateral; through review of appraisal, valuations, business financials, etc.
• Respond to inquiries regarding business and consumer lending and other Bank products
• Recommend approval or rejection of credit applications within bank and SBA Criteria
• Maintain existing customer relationships; develop and expand new customer relationships
• Prepare detailed, complete, loan presentations (Credit Memos) for new credit applications, WAMS and renewal requests
• Monitor loans through periodic reviews and documentation in conjunction with SBA Portfolio Manager and/or as requested
• Perform credit checks and site inspections as requested
• Review maturing loans, loan extensions and construction draws
• Collect past due accounts and/or support SBA Operations Officer in the collection of accounts
• Oversee loan documentation and processing including review and negotiation
• Properly maintain credit files including file memos updating the status of the client relationship
• Keep up to date on government guaranteed lending requirements
• Maintain knowledge of and compliance with banking regulations
• Be knowledgeable of and promote all bank products and services through the referral to bank partners
• Provide timely and responsive customer service
• Understanding of all internal Bank policies
• Perform other duties as assigned
• Ability to utilize technology to communicate effectively
• Understanding of the SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation

Required Qualifications

• Bachelor’s degree in Finance, business or other relevant area; or equivalent work experience.
• 5 years’ experience in government guaranteed lending

Preferred Qualifications

• Proven business development skills
• Thorough knowledge of credit services and other banking services
•  Thorough knowledge of lending policies and procedures
• Thorough knowledge of business cash flow
• Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
• Effective oral and written communication skills