SBA Relationship Manager II

Provident Bank•Woodbridge Township, NJ

14h•$99,400 - $163,300•Onsite

About The Position

We are seeking an experienced SBA Relationship Manager II to lead the end-to-end origination, evaluation, and structuring of complex commercial loan transactions within the SBA 504 and 7A programs. This role is responsible for driving business development, managing a high-performing loan portfolio, and ensuring compliance with SBA program requirements while delivering exceptional client service. The ideal candidate brings strong credit judgment, deep knowledge of SBA lending regulations, and a proven ability to grow market presence through relationship-building and strategic portfolio management.

Requirements

Bachelor’s degree in accounting, Finance, or Business Administration required
Minimum of 5 to 10 years of progressive experience in SBA lending (504 and/or 7A programs)
Demonstrated success in loan origination, underwriting, and portfolio management
Financial & Credit Expertise: Loan analysis, underwriting, financial modeling
SBA & Regulatory Knowledge: SBA policies, procedures, and compliance standards
Business Development: Strong relationship management and revenue generation skills
Communication: Excellent written, verbal, and presentation abilities
Technology: Proficiency in Microsoft Office Suite, Credit Lens, and Connections Anywhere

Responsibilities

Proactively identify and develop new business opportunities through referral sources and existing relationships
Build and maintain strong client relationships to drive retention and long-term growth
Expand the Bank’s SBA lending presence and market visibility
Structure SBA 504 and 7A loan transactions in alignment with program guidelines and regulatory requirements
Ensure all loan packages protect the SBA guaranty and adhere to internal policies
Maintain deep expertise in SBA regulations, policies, and procedures
Conduct comprehensive financial analysis to assess borrower capacity, creditworthiness, and risk exposure
Identify risk factors and recommend appropriate mitigants
Deliver well-supported credit recommendations and structure complex transactions
Manage and grow a profitable loan portfolio in accordance with Bank standards
Monitor portfolio performance and proactively address risk trends
Identify and execute cross-sell opportunities across the Bank’s product suite
Oversee preparation of loan presentations and credit packages
Facilitate loan closings while ensuring compliance with approved terms and conditions
Partner with internal stakeholders to ensure seamless transaction execution
Participate in ongoing SBA training, webinars, and industry education