SBA Relationship Manager

Job Description

Job Description

Description : Position Summary

Originate loans and offer products and services to business and professional clientele. Establishes, develops and retains customer relationships through referrals and business development. Responsible for development and maintenance of a loan portfolio and providing high quality, value-added client service.

Requirements :

Essential Duties & Responsibilities

• Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards
• Take time to understand applicant’s business / management
• Provide timely and responsive customer service
• Provide applicant bank products and services that enhance business success
• Accept credit applications; interview loan applicants
• Understand SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation
• Review applications and credit histories
• Review and analyze credit reports and financial information
• Evaluate existing and projected company cash flow
• Determine value of collateral; through review of appraisal, valuations, business financials, etc.
• Respond to inquiries regarding business and consumer lending and other Bank products
• Recommend approval or rejection of credit applications within bank and SBA Criteria
• Maintain existing customer relationships; develop and expand new customer relationships
• Prepare detailed, complete, loan presentations (Credit Memos) for new credit applications, modifications and renewal requests
• Monitor loans through periodic reviews and documentation in conjunction with SBA Portfolio Manager and / or as requested
• Perform credit checks and site inspections as requested
• Review maturing loans, loan extensions and construction draws
• Collect past due accounts and / or support SBA Operations Officer in the collection of accounts
• Oversee loan documentation and processing including review and negotiation
• Properly maintain credit files including file memos updating the status of the client relationship
• Keep up to date on government guaranteed lending requirements
• Maintain knowledge of and compliance with banking regulations
• Be knowledgeable of and promote all bank products and services through the referral to bank partners
• Understand all internal Bank policies
• Perform other duties as assigned
• Ability to utilize technology to communicate effectively

Required Qualifications

Preferred Qualifications

Salary

Benefits

Northwest Bank also offers a competitive benefits package with a wide range of offerings, including :

Health Benefits : We offer two choices of medical plans, a dental plan, and a vision plan all at no cost for employee coverage; comprehensive benefits for employees and eligible dependents, including a spouse or domestic partner.

Short-Term Disability, Long-Term Disability and Life Insurance.

Employee Assistance Program.

Retirement Plans : 401k.

Paid Time Off : Employees accrue 21 days of paid time off annually with increases at five years of service.

Holidays : We observe 11 paid holidays per year.

ORCA Card : All full-time employees will receive an ORCA card at no cost.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee must frequently lift and / or move up to 10 pounds and occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit; use hands and talk or hear. The employee is occasionally required to walk; reach with hands and arms and stoop, kneel, crouch, or crawl.