This role has the opportunity to work hybrid. During the interview process, our Talent Acquisition Team will share additional details with you. At the guidance of the direct supervisor, the Small Business Administration (SBA) Relationship Manager will be responsible for the generation of new relationships and servicing of existing commercial clients, in an effort to evaluate the client’s needs and align with appropriate bank products. Responsibilities Achieves production levels through external business development activities with prospects, clients, referral sources and relative community involvement activities. Analyzes applicants’ financial status, credit, and property evaluation to determine feasibility of granting loan; makes decision to either: move forward with underwriting, deny or counter offer applicant as appropriate using guidelines in Lending Operations Policy and Procedure Manual. Ensures all decisions take into account appropriate risk factors and contribute to the overall safety and soundness of organization. Creates and maintains referral networks with commercial real estate brokers, business brokers, business/professional associations, attorneys, CPA’s, contractors, vendors, other banks, and any other referral sources to solicit SBA loan opportunities. Corresponds with or counsels customers in credit issues and loan requests; cross-sells and advises customers on Bank deposit or lending account relationship issues. Develops collaborative relationships with branch network and staff; refers non-SBA loan and deposit relationships to commercial and retail lenders and treasury management. Responsible for understanding and answering all questions regarding Bank products and services. Maintain a very high level of credit quality with the portfolio by monitoring past dues, coming dues and collections. Provides reports on a periodic basis to Senior Management. Reviews various loan servicing reports; performs necessary actions according to Policy and Procedures Manual. Coordinates with management to assure all policies are adhered to in a timely and accurate manner. Completes compliance and other job-related training as required. Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank’s Information Security Program. Complies with all department and bank policies and procedures; maintains compliance with State and Federal Human Resources and Banking Regulations; maintains a working knowledge of lending regulations and their application. Maintains a working knowledge of lending regulations and bank policies and procedures related to the position. Maintains a positive atmosphere for customers and employees consistent with the Bank’s mission and philosophy. Provides enthusiastic, professional and courteous service to Northstar Bank customers and employees. Maintains the security and confidentiality of pertinent information and records. Continues professional development through training, seminars, membership in professional associations, as applicable. Contributes to the fulfillment of the department and the Bank’s objectives and goals. Performs as a team member, and completes any other job-related duties as assigned. Qualifications Superior loan evaluation ability. Capable of handling large loan portfolio. Has excellent written and verbal communication skills and basic computer knowledge. Is detail oriented and highly accurate in processing work tasks and reports Is dependable and is able to meet deadlines. Is self-motivated, conscientious, analytical, courteous and cooperative. Has proficient knowledge of commercial lending and applicable regulations. Has proficient understanding of banking principles and guidelines. Has ability to coordinate multiple tasks concurrently. Good interpersonal skills with a high level of customer service skills. Ability to work independently with minimal supervision while maintaining communication with supervisors and managers. Demonstrate a high level of knowledge of Bank Secrecy Act and OFAC related responsibilities in the performance of daily operations to ensure adherence to bank policies and compliance with all regulatory requirements. Job Details: Regular To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes. Independent Financial is host to a diverse group of professionals; offering careers in lending, finance, management, marketing, technology and much more. We welcome talented and capable people with a heart for community service, strong personal values and integrity to join our team. Let’s discover new opportunities, together. Become part of a team that provides a wide range of relationship-driven banking products and services tailored to meet the needs of businesses, professionals and individuals. ______________________________________________________ All full-time and part-time roles that are regularly scheduled for 30 or more hours per week are benefits eligible. We are pleased to provide industry-leading benefits, resources and support to our employees. ______________________________________________________ To be considered for this position, you must at least meet the basic qualifications. No phone calls or direct e-mails please. Pre-employment background screening will be conducted. Independent Financial is proud to be an equal opportunity workplace and is an affirmative action employer. We are committed to equal employment opportunity regardless of age, ancestry, color, gender (including pregnancy, childbirth, or related medical conditions), gender identity or expression, genetic information, marital status, medical condition, mental or physical disability, national origin, protected family care or medical leave status, race, religion (including beliefs and practices or the absence thereof), sexual orientation, military or veteran status, or any other characteristic protected by federal, state, or local laws. The job description does not constitute an employment agreement between the employer and employee. The above statements describe the general nature and level of work being performed within this classification. It is not designed to contain or be interpreted as a comprehensive list of all duties, responsibilities, and qualifications required of employees assigned to this job. If you require assistance at any stage of the employment application process due to a disability, please contact Human Resources at 469-301-2630. Independent Financial is a trademark of Independent Bank To all recruitment agencies: Independent Financial does not accept agency resumes without formal engagement of the agency. Please do not forward resumes to Independent Financial employees or any other organization location. Independent Financial is not responsible for any fees related to unsolicited resumes.