SBA Relationship Manager

Southstate Bank•Denver, CO

4d•$85,153 - $136,024

About The Position

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! BASIC PURPOSE: This position is responsible for, but not limited to, originating U.S. Small Business Administration (SBA) 7a loans and U.S. Department of Agriculture Business and Industry (USDA B&I) loans. Incumbents are expected to meet or exceed production goals, which are set annually by the Bank. ESSENTIAL FUNCTIONS: This position is expected to perform the specific duties, tasks, and responsibilities as outlined below: Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means Presents loan requests to the appropriate approver when the proposed loan dollar volume exceeds the assigned Credit Administrator authority Authorizes or rejects overdrafts in depository account within established authorities Monitors loan repayment activities and takes necessary action to collect from past-due accounts Develops new business by contacting prospects and customers, cross-sells bank services Prepares lending activity reports for department management Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities Keeps abreast of SBA and USDA B&I loan program regulation, and assures adherence to said regulations Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development If assigned to assist the conventional Relationship Managers, or other Bank conventional lenders on government lending, the expectation is that the Government Lending RM will work hand in hand with the conventional lenders at the Bank to assess and process and internal loan referrals Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with Provide assistance to other employees by liaising with them through healthy and positive interactions Be involved in performing marketing endeavors/efforts Continuously update skills by participating in professional training Seek opportunities to improve skills through cross-training offered by the Bank All other tasks, responsibilities or duties, as directed by management

Requirements

Must have strong communication skills characterized by excellent writing and speaking skills
Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
Must have good knowledge of business English, including spelling and punctuation
Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers
Must be well-organized, accurate, and attentive to detail
Must be cooperative and willing to assist coworkers and customers on a regular basis
Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others
Must possess excellent multi-tasking skills and be able to function well under pressure
Must be able to remain composed under pressure and respond to customer and coworker concerns regularly
Must have a keen eye for detail and follow instructions to the letter
Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times
Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday
Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
Must be able to walk frequently throughout the day
Must be able to hear and communicate with coworkers and customers throughout the day
May need to lift up to 25 pounds one to two times a day to perform job
Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank’s grooming and dress codes
Must demonstrate excellent interpersonal skills with customers and coworkers
Must be willing to function as a team member
Must be willing to demonstrate commitment to SouthState Bank’s mission and goals
Bachelor’s Degree in Business, Finance or equivalent work experience in related field
3-5 years of previous commercial lending experience in a bank or loan setting
Requires knowledge of office practices, procedures and general office machines
Must be able to prepare documents and compose business letters and memorandums
Must be able to maintain confidentiality of customer and employee information
Must be a self-starter and able to work independently
Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process
Must be able to work at a faster than average pace and able to multi-task
Must have good knowledge of business English, spelling and punctuation
Must possess basic language skills to write and speak clearly, effectively, and appropriate to business standards
Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action
Must be professional in appearance
Regular attendance in necessary
Be a team player in recommending and referring additional products and services to other lines of business within the company

Nice To Haves

Minimum of 2 years’ experience in government lending preferred
Will provide government guaranteed loans in compliance with the SouthState Bank and governmental loan program policies and procedures

Responsibilities

Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements
Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans.
May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means
Presents loan requests to the appropriate approver when the proposed loan dollar volume exceeds the assigned Credit Administrator authority
Authorizes or rejects overdrafts in depository account within established authorities
Monitors loan repayment activities and takes necessary action to collect from past-due accounts
Develops new business by contacting prospects and customers, cross-sells bank services
Prepares lending activity reports for department management
Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities
Keeps abreast of SBA and USDA B&I loan program regulation, and assures adherence to said regulations
Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities
Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development
If assigned to assist the conventional Relationship Managers, or other Bank conventional lenders on government lending, the expectation is that the Government Lending RM will work hand in hand with the conventional lenders at the Bank to assess and process and internal loan referrals
Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
Provide assistance to other employees by liaising with them through healthy and positive interactions
Be involved in performing marketing endeavors/efforts
Continuously update skills by participating in professional training
Seek opportunities to improve skills through cross-training offered by the Bank
All other tasks, responsibilities or duties, as directed by management