SBA Relationship Manager
About The Position
Position Summary Originate loans and offer products and services to business and professional clientele. Establishes, develops and retains customer relationships through referrals and business development. Responsible for development and maintenance of a loan portfolio and providing high quality, value-added client service. Requirements Essential Duties & Responsibilities Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards Take time to understand applicant’s business/management Provide timely and responsive customer service Provide applicant bank products and services that enhance business success Accept credit applications; interview loan applicants Understand SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation Review applications and credit histories Review and analyze credit reports and financial information Evaluate existing and projected company cash flow Determine value of collateral; through review of appraisal, valuations, business financials, etc. Respond to inquiries regarding business and consumer lending and other Bank products Recommend approval or rejection of credit applications within bank and SBA Criteria Maintain existing customer relationships; develop and expand new customer relationships Prepare detailed, complete, loan presentations (Credit Memos) for new credit applications, modifications and renewal requests Monitor loans through periodic reviews and documentation in conjunction with SBA Portfolio Manager and/or as requested Perform credit checks and site inspections as requested Review maturing loans, loan extensions and construction draws Collect past due accounts and/or support SBA Operations Officer in the collection of accounts Oversee loan documentation and processing including review and negotiation Properly maintain credit files including file memos updating the status of the client relationship Keep up to date on government guaranteed lending requirements Maintain knowledge of and compliance with banking regulations Be knowledgeable of and promote all bank products and services through the referral to bank partners Understand all internal Bank policies Perform other duties as assigned Ability to utilize technology to communicate effectively
Requirements
- Bachelor’s degree in Finance, business or other relevant area; or equivalent work experience.
- 5 years’ experience in government guaranteed lending
- Proven business development skills
Nice To Haves
- Thorough knowledge of credit services and other banking services
- Thorough knowledge of lending policies and procedures
- Thorough knowledge of business cash flow
- Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
- Effective oral and written communication skills
Responsibilities
- Originate loans and offer products and services to business and professional clientele.
- Establishes, develops and retains customer relationships through referrals and business development.
- Responsible for development and maintenance of a loan portfolio and providing high quality, value-added client service.
- Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values
- Provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
- Take time to understand applicant’s business/management
- Provide timely and responsive customer service
- Provide applicant bank products and services that enhance business success
- Accept credit applications
- Interview loan applicants
- Understand SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation
- Review applications and credit histories
- Review and analyze credit reports and financial information
- Evaluate existing and projected company cash flow
- Determine value of collateral; through review of appraisal, valuations, business financials, etc.
- Respond to inquiries regarding business and consumer lending and other Bank products
- Recommend approval or rejection of credit applications within bank and SBA Criteria
- Maintain existing customer relationships
- Develop and expand new customer relationships
- Prepare detailed, complete, loan presentations (Credit Memos) for new credit applications, modifications and renewal requests
- Monitor loans through periodic reviews and documentation in conjunction with SBA Portfolio Manager and/or as requested
- Perform credit checks and site inspections as requested
- Review maturing loans, loan extensions and construction draws
- Collect past due accounts and/or support SBA Operations Officer in the collection of accounts
- Oversee loan documentation and processing including review and negotiation
- Properly maintain credit files including file memos updating the status of the client relationship
- Keep up to date on government guaranteed lending requirements
- Maintain knowledge of and compliance with banking regulations
- Be knowledgeable of and promote all bank products and services through the referral to bank partners
- Understand all internal Bank policies
- Perform other duties as assigned
- Ability to utilize technology to communicate effectively
Benefits
- Health Benefits: We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner.
- Short-Term Disability, Long-Term Disability and Life Insurance.
- Employee Assistance Program.
- Retirement Plans: 401k.
- Paid Time Off: Employees accrue 21 days of paid time off annually with increases at five years of service.
- Holidays: We observe 11 paid holidays per year.
- ORCA Card: All full-time employees will receive an ORCA card at no cost.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
101-250 employees
