Business Relationship Manager I SBA

Exciting•Phoenix, AZ

19d

About The Position

The Business Relationship Manager I, SBA specializes in developing and managing relationships with small business members to originate SBA, conventional small business loans, and business banking services. They serve as a trusted advisor to small business owners, understanding their financing needs, navigating the SBA lending process, and delivering comprehensive banking solutions that support business growth. They combine relationship development, credit analysis, loan structuring, and portfolio management to build a high-quality book of small business and SBA lending relationships. They are critical to ensure achievement of the credit union's strategic goals including significantly expanding SBA lending volume and establishing the organization as a preferred small business lender in the community. What you will do here: Business Development & Relationship Management Proactively identify and pursue small business lending opportunities through networking, community involvement, referral partnerships, and direct outreach Build and maintain portfolio of small business and SBA lending relationships with focus on quality, profitability, and risk management Conduct comprehensive financial and operational assessments of businesses to identify appropriate financing solutions Develop trusted advisor relationships with business owners, serving as single point of contact for their banking needs Participate in community business organizations, chambers of commerce, and industry groups to build brand awareness and generate referrals Achieve individual sales goals for loan origination volume, fee income, and deposit growth Cross-sell treasury management, business deposits, and other credit union products and services SBA Loan Origination & Structuring Understand business financial statements, tax returns, cash flow projections, and collateral to determine credit worthiness Understand SBA 7(a) and 504 loans in accordance with SBA guidelines, credit union policies, and sound lending practices Prepare comprehensive loan presentations including credit analysis, risk assessment, and loan structure recommendations Ensure accurate loan documentation and compliance with SBA requirements and credit union policies Work with underwriting team to address conditions and secure final loan approval Portfolio Management & Member Service Monitor performance of existing loan portfolio and maintain regular contact with borrowers Conduct annual business reviews with borrowers to assess financial performance and identify additional needs Identify and address early warning signs of credit deterioration and work proactively to mitigate risks Ensure compliance with loan covenants and ongoing documentation requirements Maintain accurate records of borrower interactions, financial updates, and portfolio changes in loan management system Partner with loan servicing and operations teams to resolve member service issues Credit Analysis & Risk Assessment Perform detailed financial analysis including ratio analysis, cash flow projections, and sensitivity analysis Evaluate business operations, management experience, industry trends, and competitive position Assess collateral value and loan-to-value ratios to ensure adequate security Identify and mitigate credit risks through appropriate loan structure, covenants, and guarantees Stay current on SBA lending guidelines, credit union lending policies, and industry best practices Internal Collaboration Collaborate with Treasury Management Sales Officers to deliver comprehensive banking solutions Work with Account Services team to ensure smooth account opening and onboarding for new business members Partner with business banking leadership on strategic initiatives and process improvements Share knowledge and best practices with other team members. What you will need: Bachelor's degree in Business, Finance, Accounting, or related field preferred. or equivalent combination of education and experience required. 3+ years of commercial lending experience with demonstrated SBA lending expertise required. Proven track record of originating small business loans and achieving production goals required. 2+ years experience with relationship management and business development within financial services required. Credit union or community bank experience strongly preferred preferred. Demonstrated expertise in analyzing business financial statements and assessing credit risk required. Demonstrated knowledge of BSA/AML, CIP, and commercial lending regulations required. Ability to build, nurture, and expand trusted relationships with small business clients required. Ability to builds partnerships with local chambers of commerce, business associations, accountants, and attorneys required. Deep understanding of small business operations, industry trends, and financial drivers. Capable of interpreting business plans, financial statements, and projections to assess creditworthiness and growth opportunities required. Strong grasp of credit principles and SBA lending requirements. Ability to evaluate collateral, repayment capacity, and financial performance metrics. Demonstrated knowledge of loan structures, guarantees, and compliance with SBA Standard Operating Procedures required. Excellent interpersonal, written, and presentation skills required. Comfort with change and managing multiple client relationships in dynamic conditions required. Familiarity with CRM systems, digital banking platforms, and financial modeling tools required. Works effectively with credit analysts, underwriters, and SBA specialists required. SBA Certified Lender preferred. AZDL – Driver License Valid driver's license and ability to meet with members at their business locations required. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing. For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.

Requirements

3+ years of commercial lending experience with demonstrated SBA lending expertise required.
Proven track record of originating small business loans and achieving production goals required.
2+ years experience with relationship management and business development within financial services required.
Demonstrated expertise in analyzing business financial statements and assessing credit risk required.
Demonstrated knowledge of BSA/AML, CIP, and commercial lending regulations required.
Ability to build, nurture, and expand trusted relationships with small business clients required.
Ability to builds partnerships with local chambers of commerce, business associations, accountants, and attorneys required.
Deep understanding of small business operations, industry trends, and financial drivers.
Capable of interpreting business plans, financial statements, and projections to assess creditworthiness and growth opportunities required.
Strong grasp of credit principles and SBA lending requirements.
Ability to evaluate collateral, repayment capacity, and financial performance metrics.
Demonstrated knowledge of loan structures, guarantees, and compliance with SBA Standard Operating Procedures required.
Excellent interpersonal, written, and presentation skills required.
Comfort with change and managing multiple client relationships in dynamic conditions required.
Familiarity with CRM systems, digital banking platforms, and financial modeling tools required.
Works effectively with credit analysts, underwriters, and SBA specialists required.
Valid driver's license and ability to meet with members at their business locations required.

Nice To Haves

Bachelor's degree in Business, Finance, Accounting, or related field preferred.
or equivalent combination of education and experience required.
Credit union or community bank experience strongly preferred preferred.
SBA Certified Lender preferred.

Responsibilities

Proactively identify and pursue small business lending opportunities through networking, community involvement, referral partnerships, and direct outreach
Build and maintain portfolio of small business and SBA lending relationships with focus on quality, profitability, and risk management
Conduct comprehensive financial and operational assessments of businesses to identify appropriate financing solutions
Develop trusted advisor relationships with business owners, serving as single point of contact for their banking needs
Participate in community business organizations, chambers of commerce, and industry groups to build brand awareness and generate referrals
Achieve individual sales goals for loan origination volume, fee income, and deposit growth
Cross-sell treasury management, business deposits, and other credit union products and services
Understand business financial statements, tax returns, cash flow projections, and collateral to determine credit worthiness
Understand SBA 7(a) and 504 loans in accordance with SBA guidelines, credit union policies, and sound lending practices
Prepare comprehensive loan presentations including credit analysis, risk assessment, and loan structure recommendations
Ensure accurate loan documentation and compliance with SBA requirements and credit union policies
Work with underwriting team to address conditions and secure final loan approval
Monitor performance of existing loan portfolio and maintain regular contact with borrowers
Conduct annual business reviews with borrowers to assess financial performance and identify additional needs
Identify and address early warning signs of credit deterioration and work proactively to mitigate risks
Ensure compliance with loan covenants and ongoing documentation requirements
Maintain accurate records of borrower interactions, financial updates, and portfolio changes in loan management system
Partner with loan servicing and operations teams to resolve member service issues
Perform detailed financial analysis including ratio analysis, cash flow projections, and sensitivity analysis
Evaluate business operations, management experience, industry trends, and competitive position
Assess collateral value and loan-to-value ratios to ensure adequate security
Identify and mitigate credit risks through appropriate loan structure, covenants, and guarantees
Stay current on SBA lending guidelines, credit union lending policies, and industry best practices
Collaborate with Treasury Management Sales Officers to deliver comprehensive banking solutions
Work with Account Services team to ensure smooth account opening and onboarding for new business members
Partner with business banking leadership on strategic initiatives and process improvements
Share knowledge and best practices with other team members