Business Relationship Manager II SBA

Exciting•Phoenix, AZ

6d•Onsite

About The Position

The Business Relationship Manager II is an experienced commercial lending professional who specializes in developing and managing relationships with small and mid-sized business members to originate SBA, conventional small business loans, and business banking services. Operating with a high degree of independence, they are the trusted advisor to 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 the 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. Additionally, the BRM SBA II serves as a team resource, supporting internal process improvements, and mentoring less experienced team members.

Requirements

Bachelor's degree in Business, Finance, Accounting, or related field preferred. Or equivalent education and/or experience required.
5+ years of commercial lending experience with demonstrated SBA lending expertise required.
4+ years experience with relationship management and business development within financial services required.
Proven track record of originating small business loans and achieving production goals required.
Demonstrates a strong grasp of SBA lending requirements, credit principles, and regulatory compliance, with the ability to evaluate business financials, risk, and loan structure against SBA SOPs.
Has a deep understanding of small business operations, industry dynamics, and financial drivers to assess creditworthiness and identify opportunities for long-term member success required.
Ability to build, nurture, and expand trusted relationships with small business clients, local chambers of commerce, business associations, accountants, and attorneys required.
Collaborative mindset with the ability to mentor peers and contribute to continuous improvement across the SBA lending function.
Works effectively with credit analysts, underwriters, and SBA specialists required.
Strong organizational and time management skills; capable of balancing multiple deals and stakeholders while delivering exceptional member service 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.
AZDL – Driver License - Valid driver's license and ability to meet with members at their business locations required.

Nice To Haves

Credit union or community bank experience strongly 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 a portfolio of small business and SBA lending relationships with a 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 a 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 the underwriting team to address conditions and secure final loan approval.
Monitor the performance of the 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 the 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 and act as a team resource for interpreting SBA lending guidelines, SOP updates or program changes and industry best practices; escalating nuanced items to leadership as needed.
Share knowledge, best practices, support onboarding and knowledge transfer by mentoring less experienced SBA BRMs or lending support staff.
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.
Contribute to team-wide performance and learning by partnering with leadership on strategic initiatives, best practices and process improvements.
Other work-related duties as assigned.