SBA Relationship Manager

Carter Bank; Greensboro (NC); On-site; USD 60,000 - 104,000; Full time

Job summary

Carter Bank is seeking an SBA Relationship Manager in Greensboro, NC to drive proactive business development and disciplined credit risk management for SBA lending solutions.

The role focuses on originating SBA 7(a) loans, building pipelines through COI networks, and ensuring compliance with SBA SOP and credit standards. Strong communication and portfolio management skills are essential.

Qualifications

• Bachelor's degree in business, finance, accounting, or related field or equivalent in education and experience.
• Prior SBA 7(a) origination experience.
• Demonstrated ability to build and manage a referral pipeline.

Responsibilities

• Originate SBA 7(a) loans with annual volume targets in the $10M-15M+ range.
• Build and maintain a pipeline through COI relationships, broker networks, and direct small business outreach.
• Structure credit requests in compliance with SBA SOP and program eligibility requirements.
• Manage borrower relationships from initial contact through closing and ongoing portfolio monitoring.
• Partner with underwriters and closers to drive efficient loan execution.
• Actively monitor portfolio performance and maintain proactive borrower relationships.
• Ensure all originations meet SBA program requirements and internal credit standards.
• Support special assets and workout situations as needed in collaboration with credit administration.

Skills

Relationship building

Customer service

Negotiation

SBA program mechanics

Loan structuring

SOP compliance

Secondary market knowledge

Verbal and written communication

Loan origination systems

Microsoft Office

Education

Bachelor's degree or equivalent

Tools

Loan origination systems

Microsoft Office

Job description

The SBA Relationship Manager combines proactive business development with disciplined credit risk management and is dedicated to identifying, structuring, and executing SBA lending solutions for potential and existing customers.

SUMMARY

The SBA Relationship Manager combines proactive business development with disciplined credit risk management and is dedicated to identifying, structuring, and executing SBA lending solutions for potential and existing customers.

ESSENTIAL JOB FUNCTIONS

• Originate SBA 7(a) loans with annual volume targets in the $10M-15M+ range
• Build and maintain a pipeline through COI relationships, broker networks, and direct small business outreach
• Structure credit requests in compliance with SBA SOP and program eligibility requirements
• Manage borrower relationships from initial contact through closing and ongoing portfolio monitoring
• Partner with underwriters and closers to drive efficient loan execution
• Actively monitor portfolio performance and maintain proactive borrower relationships
• Ensure all originations meet SBA program requirements and internal credit standards
• Support special assets and workout situations as needed in collaboration with credit administration

JOB REQUIREMENTS

• Bachelor's degree in business, finance, accounting, or related field or equivalent in education and experience
• Prior SBA 7(a) origination experience
• Demonstrated ability to build and manage a referral pipeline

KNOWLEDGE/SKILLS REQUIRED

• Intermediate relationship building skills
• Intermediate customer service skills
• Intermediate negotiation skills
• Intermediate knowledge of SBA program mechanics, loan structuring, and SOP compliance
• Intermediate understanding of secondary market loan sales and guarantee premium execution
• Intermediate verbal and written communication skills
• Intermediate proficiency with loan origination systems
• Intermediate proficiency with Microsoft Office

PHYSICAL AND MENTAL QUALIFICATIONS

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

Salary Pay Range: $59,923.52 - $104,250.50 annually

Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays.