Government Guaranteed Lending Relationship Manager

Fifth Third Bank • Virtual - Michigan, MI

4d • $82,100 - $172,500 • Remote

About The Position

The Government Guaranteed Lending Relationship Manager supports a designated region by expanding and managing Small Business Administration (SBA) lending activity, including 504 and 7(a) loan programs. This role serves as a key partner to Relationship Managers, SBA partners, Credit, Community Reinvestment Act (CRA) teams, and external partners to structure compliant, value‑added financing solutions for commercial clients. This position plays a critical role in identifying CRA‑eligible opportunities, strengthening partnerships with Certified Development Companies (CDCs), and driving SBA referral activity in support of regional growth and client outcomes.

Requirements

• Bachelor’s degree in Business, Finance, Economics, or related field (or equivalent combination of education and experience)
• Experience in commercial lending, SBA lending, or government guaranteed credit support
• Working knowledge of SBA 504 and 7(a) lending programs
• Understanding of Community Reinvestment Act (CRA) regulations and eligibility considerations
• Demonstrated ability to partner with Relationship Managers and cross-functional stakeholders in a regional banking environment
• SBA Lending Expertise: Knowledge of SBA 504 and 7(a) program structures, eligibility requirements, and compliance considerations
• Credit & Structuring Acumen: Ability to analyze transactions and structure compliant, client-focused financing solutions
• Relationship Management: Strong ability to build partnerships across bankers, CDCs, and internal stakeholders
• Communication & Influence: Effective communication skills to advise, educate, and influence stakeholders across varying levels
• Pipeline & Performance Management: Ability to manage referral pipelines, track performance metrics, and meet production goals

Nice To Haves

• Business Development Orientation: Proactively identifies opportunities to expand SBA utilization and drive regional growth
• Collaboration & One Bank Mindset: Works effectively across lines of business to deliver integrated client solutions
• Analytical Thinking: Evaluates complex credit scenarios and identifies optimal structuring approaches
• Execution & Accountability: Delivers high-quality outcomes with strong attention to detail, timeliness, and compliance
• Adaptability: Navigates evolving regulatory requirements and business priorities with flexibility

Responsibilities

• Serve as a regional subject matter expert for SBA 504 and 7(a) lending, supporting deal origination, structuring, eligibility analysis, and execution in alignment with SBA guidelines and internal credit policy.
• Partner with Relationship Managers to structure transactions, assess client eligibility, and position SBA solutions to enhance client outcomes and ensure compliant credit delivery.
• Participate in client discussions to evaluate financing needs and present government guaranteed lending solutions that support business growth and capital access.
• Maintain and achieve assigned SBA referral goals through proactive engagement with bankers, driving qualified referrals, submissions, and funded loan volume.
• Build and maintain strong working relationships with Certified Development Companies (CDCs) and SBA ecosystem partners to facilitate transaction execution and expand referral channels.
• Identify and support CRA‑eligible opportunities within both conventional and SBA pipelines, partnering with Relationship Managers and CRA teams to ensure proper qualification, documentation, and reporting.
• Track and manage SBA referrals, applications, and funded loans at the regional level, ensuring data accuracy and visibility into performance against goals.
• Partner with Credit, SBA Operations, CRA, Compliance, and Legal teams to ensure efficient execution and adherence to policy and regulatory requirements.
• Provide training and coaching to Relationship Managers to enhance SBA knowledge, utilization, and confidence in delivering government guaranteed solutions.
• Support ongoing enhancement of SBA and CRA processes, tools, and client experience to drive efficiency and scalability.
• Performing other duties as assigned, adapting to new tasks or shifts in priorities as necessary to support your team’s and the company’s mission.

Benefits

• Comprehensive benefits
• Differentiated compensation offerings
• Eligible to participate in an incentive compensation plan
• Extensive benefits programs designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level