SBA Small Business Relationship Manager

Love Where You Work•Vineyard, UT

10d•Onsite

About The Position

The SBA/Small Business Relationship Manager serves as both a business development officer and branch leader. This position develops, cultivates, and manages relationships with small business members while providing leadership and oversight of branch operations. The role drives SBA and small business loan growth, business deposit acquisition, and business member engagement while ensuring an exceptional branch experience and operational excellence. The manager serves as a trusted advisor, helping business members improve their financial strength through lending, deposit, treasury management, and advisory solutions. The position develops and manages a portfolio of SBA and small business lending relationships; originates and manages SBA 7(a), Express, and other small business lending opportunities in accordance with UCCU policy and SBA guidelines; and identifies opportunities for deposit growth, treasury management, merchant services, and other business products. It involves meeting with prospective and existing business members, building referral relationships, conducting community business-development activities, and providing financial education and business guidance. Lending duties include gathering applicants’ financial information and supporting documentation, analyzing loan requests, preparing credit presentations, structuring loan solutions, monitoring relationships, and assisting with collections, renewals, annual reviews, and portfolio maintenance. The manager also leads daily branch operations, coaches and develops staff, drives branch performance, ensures compliance with policies and regulatory requirements, and works with internal teams and community partners. The role requires a regular and predictable schedule.

Requirements

Bachelor's degree in Finance, Business Administration, Accounting, Economics, or a related field, or an equivalent combination of education and experience.
Three to five years of progressive experience in business lending, SBA lending, commercial lending, retail banking, credit union operations, or related financial services.
Experience developing business relationships and generating loan production.
Working knowledge of SBA lending programs, small business lending practices, and commercial credit fundamentals.
Understanding of financial statement analysis, cash-flow evaluation, and risk assessment.
Knowledge of NCUA regulations, credit union operations, and lending compliance requirements.
Strong business-development, networking, and relationship-management skills.
Excellent communication, presentation, and interpersonal skills.
Ability to influence, coach, and develop employees.
Strong analytical, organizational, and problem-solving abilities.
Proficiency with loan origination systems, CRM platforms, and Microsoft Office applications.
Sufficient fluency in English to process work and business transactions.
Ability to work a regular and predictable schedule.

Nice To Haves

Leadership or branch-management experience.
Experience analyzing business financial statements, tax returns, and credit structures.
SBA Lending Certification or related commercial lending training.
CUNA Business Lending Certification, RMA coursework, or equivalent professional development.

Responsibilities

Develop, manage, and grow a portfolio of SBA and small business lending relationships.
Originate and manage SBA 7(a), Express, and other small business lending opportunities in accordance with UCCU policy and SBA guidelines.
Identify opportunities for deposit growth, treasury management services, merchant services, and other business-related products.
Meet with prospective and existing business members to understand their financial needs and recommend appropriate solutions.
Build referral relationships with accountants, attorneys, business brokers, chambers of commerce, community organizations, and other centers of influence.
Conduct community business-development activities to increase UCCU's market presence and business membership growth.
Provide financial education and business guidance to business members.
Interview applicants and gather financial information, tax returns, business plans, and supporting documentation.
Analyze loan requests and prepare credit presentations for underwriting and approval.
Structure loan solutions that balance member needs with credit quality and risk-management expectations.
Monitor existing relationships and identify opportunities for portfolio growth or risk mitigation.
Maintain knowledge of SBA programs, regulatory requirements, and industry best practices.
Assist with collections, renewals, annual reviews, and portfolio maintenance activities as required.
Lead the daily operations of an assigned branch location and ensure staff deliver an exceptional member experience.
Coach, develop, and motivate team members to achieve branch performance goals.
Drive branch production in deposits, lending, member growth, and service metrics.
Ensure branch operations comply with Credit Union policies, procedures, security, and regulatory requirements.
Foster accountability, collaboration, continuous improvement, and member advocacy.
Monitor branch performance and implement strategies to improve efficiency and effectiveness.
Partner with Credit Administration, Business Lending, Branch Operations, Marketing, and Member Experience teams.
Communicate with senior leadership regarding portfolio performance, business-development opportunities, and branch results.
Participate in committees, meetings, community events, and strategic initiatives as required.
Complete reports, records, and documentation accurately and on time.
Demonstrate UCCU values through responsible decision-making, member advocacy, coaching, collaboration, and service excellence.