Senior SBA Relationship Manager

KEY RESPONSIBILITIES

Primary Responsibilities

Business Development & Portfolio Growth

• Develop and execute strategies to grow the Bank's SBA lending portfolio through new business development and relationship management.
• Originate, structure, negotiate, and close SBA 7(a), SBA 504, and other government-guaranteed loan products.
• Develop and maintain a strong referral network consisting of business owners, accountants, attorneys, brokers, and community organizations.
• Identify opportunities to cross-sell additional Bank products and services.
• Achieve established production, portfolio growth, and profitability objectives.

SBA Lending Oversight & Compliance

• Serve as the Bank's primary SBA lending resource and provide guidance on SBA eligibility requirements, loan structuring, and Standard Operating Procedures (SOPs).
• Ensure SBA lending activities comply with all applicable SBA regulations, Bank policies, and regulatory requirements.
• Partner with Credit Administration to structure sound credit solutions that appropriately balance risk and business opportunity.
• Assist with SBA audits, examinations, guaranty reviews, and quality assurance initiatives.
• Monitor changes to SBA regulations and communicate updates and best practices throughout the organization.

Relationship Management

• Build and maintain strong client relationships through proactive communication and exceptional service.
• Manage client relationships throughout the lending process from prospecting through closing and ongoing portfolio management.
• Represent the Bank at community events, industry organizations, and networking functions to promote SBA lending initiatives.
• Develop long-term relationships that generate repeat business and referral opportunities.

Collaboration & Risk Management

• Partner with Credit Administration, Loan Operations, Compliance, Legal, and other business units to facilitate efficient loan approvals and closings.
• Monitor portfolio quality and identify potential credit concerns.
• Recommend strategies to improve operational efficiency and enhance the SBA lending process.
• Provide guidance and mentorship to commercial lenders and internal partners regarding SBA lending products and processes.

KNOWLEDGE, SKILLS AND ABILITIES

• Strong knowledge of SBA 7(a), SBA 504, SBA Express, and other government-guaranteed lending programs.
• Thorough understanding of SBA Standard Operating Procedures (SOPs), eligibility requirements, documentation, servicing, and liquidation processes.
• Strong commercial credit underwriting and financial analysis skills.
• Proven business development and relationship management abilities.
• Excellent negotiation, communication, and presentation skills.
• Ability to analyze financial statements and complex commercial credit requests.
• Strong understanding of federal banking regulations and regulatory compliance.
• Ability to manage multiple priorities while maintaining exceptional customer service.
• Preferred knowledge of Jack Henry and commercial loan origination platforms.

PIVOTAL EXPERIENCE & EXPERTISE

The Senior SBA Relationship Manager must possess a demonstrated track record of originating and managing SBA lending relationships while maintaining a strong focus on client service, portfolio quality, and regulatory compliance. The successful candidate will have experience developing business relationships, structuring complex commercial lending transactions, and serving as a trusted advisor to small business clients.

The ideal candidate will also possess the following qualifications:

• Bachelor's degree in Business, Finance, Accounting, Economics, or a related field preferred.
• Minimum of seven (7) years of commercial lending experience with significant SBA lending expertise.
• Demonstrated success originating SBA loans and developing a profitable commercial loan portfolio.
• Extensive knowledge of SBA 7(a), SBA 504, SBA Standard Operating Procedures (SOPs), and government-guaranteed lending programs.
• Strong commercial credit analysis, underwriting, and loan structuring experience.
• Proven success developing referral sources and business development strategies.
• Experience working with Credit Administration, Loan Operations, Compliance, and Executive Management.
• Excellent relationship management, leadership, and interpersonal skills.
• Strong organizational skills with the ability to manage multiple transactions simultaneously.
• Demonstrated commitment to regulatory compliance, risk management, and exceptional client service.