SBA Relationship Manager II

Carter Bank; Martinsville (VA); On-site; USD 80,000 - 138,000; Full time

Benefits offered by this job

medical

dental

vision

life insurance

disability coverage

other voluntary benefits

401(k)

paid time off

paid holidays

Job summary

Carter Bank in Martinsville, VA, is seeking an SBA Relationship Manager II to drive business development and disciplined credit risk management, focusing on SBA lending solutions for potential and existing customers.

The role originates SBA loans, manages the full borrower relationship from prospecting to closing, and partners with underwriters to ensure efficient loan execution while maintaining asset quality.

Qualifications

• Bachelor’s degree or equivalent education/experience.
• Prior SBA 7(a) lending front-office experience.
• Experience in SBA lending division.
• Established referral network and COI in the Southeast.

Responsibilities

• Originate SBA 7(a) loans meeting personal targets.
• Develop Southeast pipeline via referrals, COIs, brokers, and outreach.
• Structure and present credit requests per SBA SOP guidelines.
• Manage borrower relationships from prospecting to closing and portfolio.
• Collaborate with underwriters and closers to execute loans.
• Monitor portfolio and maintain proactive borrower communication.
• Ensure originations meet SBA requirements and internal standards.
• Support workout situations with credit administration.

Skills

Relationship building

Customer service

Negotiation

SBA program knowledge

Education

Bachelor's degree or equivalent in business, finance, accounting, or related field

Tools

Loan origination systems

Microsoft Office

Job description

SUMMARY:

The SBA Relationship Manager II 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 consistent with personal volume targets of $12M–20M+ annually
• Develop and manage a pipeline of small business borrowers across the Southeast through referral networks, COI relationships, brokers, and direct outreach
• Structure and present credit requests in compliance with SBA SOP guidelines
• Manage the full borrower relationship from prospecting through closing and portfolio management
• Partner with underwriters and closers to drive efficient loan execution
• Monitor and manage an active loan portfolio, maintaining asset quality and proactive borrower communication
• 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) lending experience in a front-office production capacity
• Prior experience working within a dedicated SBA lending division
• Established referral network and COI relationships in the Southeast market

KNOWLEDGE/SKILLS REQUIRED:

• Advanced relationship building skills
• Advancedcustomer service skills
• Advancednegotiation skills
• Intermediate knowledge of SBA program mechanics, loan structuring, and SOP compliance
• Intermediate understanding of secondary market execution and guarantee premium dynamics
• 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:

$79,580 - $138,450 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.

• medical
• dental
• vision
• life insurance
• disability coverage
• other voluntary benefits
• 401(k)
• paid time off
• paid holidays