Small Business Relationship Manager

Needham Bank•Portsmouth, NH

8d•$100,380 - $140,532•Onsite

About The Position

The Small Business Relationship Manager will evaluate, authorize, or recommend approval of commercial loans. This role involves advising borrowers on their financial status and methods of payment. The position requires assisting the department in developing creditworthy relationships that are deposit-rich and aligned with the Bank’s strategic goals. It also involves mentoring and working closely with less experienced team members to foster their professional development. The role provides technical assistance to customers and prospects throughout their application process, analyzes applicant financial status, credit, and property evaluations to determine loan feasibility, and originates and closes new loans consistent with Bank policies and regulations. The Small Business Relationship Manager will present new loan requests and other reports to appropriate approval authorities, stay abreast of new financial services and products, and submit applications to credit analysts. Additionally, this role involves working with clients to identify and achieve their financial goals, aiding in resolving commercial loan application problems, managing and growing an existing commercial loan portfolio, and cross-selling other bank products. The position requires responding quickly to inquiries, working with residential and commercial real estate groups for new business referrals, assisting in collection/work-out activities with troubled assets, representing the Bank at community functions, and participating in Bank task forces and committees.

Requirements

Extensive portfolio management, business development, risk management experience.
Extensive knowledge of financial institution policies and procedures
Strong knowledge of small business and SBA lending practices and related areas
Strong Knowledge of all SBA Loan Programs including 7(a), Express and 504
Knowledge of department support structures, resources and personnel
Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling
Strong analytical and interpersonal skills
Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
Superior customer service skills, exceed customers’ expectations
Fluent written and verbal English communication skills
Ability to adhere to Needham Bank’s Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)

Responsibilities

Assist Department in developing relationships that are creditworthy, deposit rich and aligned with the Bank’s strategic goals.
Mentor and work closely with less experienced team members in order to continue their professional development
Provide technical assistance to customers and prospects in order to assist them through their application process
Meet with applicants to obtain information for loan applications and to answer questions about the process
Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans
Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations
Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank
Stay abreast of new types of loans and other financial services and products to better meet clients’ needs
Submit applications to credit analysts for verification and recommendation
Work with clients to identify their financial goals and to find ways of reaching those goals
Work with Director to aid in resolving commercial loan application problems as necessary
Manage and grow an existing commercial loan portfolio.
Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management
Quickly respond to customer and prospect inquiries and assist customers through the application process
Work with the Bank’s residential and commercial real estate groups in referring new business
Assist in the collection/work out activities with troubled/non-performing assets
Represent the Bank at various community functions
Participate on Bank task forces and committees as assigned
Perform additional duties as requested, needed or assigned