SBA Relationship Manager
Northwest Bank, Seattle, WA, United States
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.
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
Bachelor’s degree in Finance, business or other relevant area; or equivalent work experience.
5 years’ experience in government guaranteed lending
Proven business development skills
Preferred Qualifications
Thorough knowledge of credit services and other banking services
Thorough knowledge of lending policies and procedures
Thorough knowledge of business cash flow
Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
Effective oral and written communication skills
Salary
$120,000 - $130,000 DOE
Benefits
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.
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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
Bachelor’s degree in Finance, business or other relevant area; or equivalent work experience.
5 years’ experience in government guaranteed lending
Proven business development skills
Preferred Qualifications
Thorough knowledge of credit services and other banking services
Thorough knowledge of lending policies and procedures
Thorough knowledge of business cash flow
Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
Effective oral and written communication skills
Salary
$120,000 - $130,000 DOE
Benefits
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.
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