SBA Relationship Manager II

Carter Bank•Martinsville, VA

2d•$79,580 - $138,450

About The Position

The SBA Relationship Manager II combines proactive business development with disciplined credit risk management to identify, structure, and execute SBA lending solutions for potential and existing customers. The role originates SBA 7(a) loans, develops and manages a pipeline of small-business borrowers across the Southeast, and oversees borrower relationships from prospecting through closing and portfolio management. It partners with underwriting and closing teams to support efficient loan execution and helps maintain asset quality through ongoing portfolio monitoring and borrower communication.

Requirements

Bachelor’s degree in business, finance, accounting, or a related field, or equivalent education and experience.
Prior SBA 7(a) lending experience in a front-office production capacity.
Prior experience working within a dedicated SBA lending division.
Established referral network and COI relationships in the Southeast market.
Advanced relationship-building skills.
Advanced customer service skills.
Advanced negotiation skills.
Intermediate knowledge of SBA program mechanics, loan structuring, and SOP compliance.
Intermediate understanding of secondary market execution and guarantee premium dynamics.
Intermediate verbal and written communication skills.
Intermediate proficiency with loan origination systems.
Intermediate proficiency with Microsoft Office.
Ability to stand, walk, bend, and stoop; sit at a desk for extended periods and use a computer; and occasionally move or lift up to 10 pounds.
May be asked to work supplemental hours periodically.
Limited travel is required occasionally during and after business hours.

Responsibilities

Originate SBA 7(a) loans consistent with personal annual volume targets of $12 million–$20 million or more.
Develop and manage a pipeline of small-business borrowers across the Southeast through referral networks, centers of influence (COI) relationships, brokers, and direct outreach.
Structure and present credit requests in compliance with SBA SOP guidelines.
Manage borrower relationships from prospecting through closing and portfolio management.
Partner with underwriters and closers to drive efficient loan execution.
Monitor and manage an active loan portfolio, maintaining asset quality and proactive borrower communication.
Ensure originations meet SBA program requirements and internal credit standards.
Support special assets and workout situations in collaboration with credit administration.