SBA Small Business Relationship Manager

Utah Community Credit Union (UCCU)•Vineyard, UT

10d

About The Position

The SBA/Small Business Relationship Manager serves as both a business development officer and branch leader. The position develops and manages small business relationships, drives SBA and small business lending growth, acquires business deposits, and supports business member engagement while overseeing branch operations and service quality. The role acts as a trusted advisor to business members, identifying needs and recommending lending, deposit, treasury management, and advisory solutions. It also leads branch staff and daily operations, promotes operational compliance and strong member service, and collaborates with internal teams and community partners to support portfolio and branch performance.

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, merchant services, and other business-related products.
Meet with prospective and existing business members to understand 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 members.
Interview loan 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 portfolio growth or risk mitigation opportunities.
Maintain knowledge of SBA programs, regulatory requirements, and industry best practices.
Assist with collections, renewals, annual reviews, and portfolio maintenance as required.
Lead daily operations of an assigned branch location.
Ensure branch 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 operational compliance 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 portfolio performance, business development opportunities, and branch results to senior leadership.
Participate in committees, meetings, community events, and strategic initiatives as required.
Complete reports, records, and documentation accurately and on time.
Demonstrate UCCU’s values through responsible decision-making, respect, coaching, reliable follow-through, and service excellence.