SBA Relationship Manager

CivicMinds, Inc; San Francisco (CA); On-site; USD 90,000 - 140,000; Full time

Job summary

A financial institution is seeking a dedicated professional to assist in managing and growing SBA loans while fostering profitable relationships with business clients and investors. The ideal candidate will handle account issues, promote financial services, and ensure compliance with policies. Strong analytical skills for evaluating borrowers' financial statuses are essential. This role is pivotal in the establishment's lending operations and focuses on delivering tailor-made solutions to clients in the financial sector.

Qualifications

• Experience with SBA loan programs and credit approvals.
• Proven ability to manage and grow commercial client relationships.
• Competence in identifying cross-sell opportunities across bank services.

Responsibilities

• Assist lending team in growing and managing SBA loans.
• Resolve account or service-related problems for clients.
• Promote and sell products and services to target customers.
• Promote and sell bank products to target customers.
• Prepare loan presentations for Loan Committee and ensure policy compliance.
• Analyze borrower financials and prepare credit presentations.
• Identify market opportunities and develop new products for the portfolio.

Skills

SBA lending

Client relationships

Cross-selling

Financial analysis

Job description

• Assists lending team in all facets of growing and managing the bank’s SBA loans.
• Develops new and additional deposits, cash management and bank services revenue.
• Works with clients to resolve account or service-related problems
• Maintains ongoing visibility with client base
• Calls and visits target customers to promote and sell establishment products and services.
• Promotes and cross-sells other establishment products and services as appropriate to customer requirements, such as business checking, business credit card, and letters of credit.
• Develops, revises, or eliminates products and services experiencing less than satisfactory performance.
• Acquires and grows profitable account relationships with moderately complex business customers and commercial real estate investors/owners.
• Accurately analyzes borrowers’ financial status, credit and property evaluations, credit histories, corporate financial statements and other relevant financial information to determine feasibility of granting loans; prepare loan presentations with the assistance of loan processors to Loan Committee for approval.
• Reviews and updates credit and loan files and loan agreements to ensure that they are complete and accurate according to policy.
• Compiles and analyzes market research data to develop portfolio of products and services focused on needs of target market.
• Generates new products and services to complement current portfolio.
• Generates and screens leads following establishment policies and procedures to attain new business relationships and product sales.
• Designs selling program to promote establishment consumer and business loan products.
• Oversees all stages of loan development program to ensure compliance with establishment policies and procedures.