SBA Relationship Manager II

We are seeking an experienced SBA Relationship Manager II to lead the end-to-end origination, evaluation, and structuring of complex commercial loan transactions within the SBA 504 and 7A programs. This role is responsible for driving business development, managing a high‑performing loan portfolio, and ensuring compliance with SBA program requirements while delivering exceptional client service.

The ideal candidate brings strong credit judgment, deep knowledge of SBA lending regulations, and a proven ability to grow market presence through relationship‑building and strategic portfolio management.

Key Responsibilities
Business Development & Client Relationship Management

Proactively identify and develop new business opportunities through referral sources and existing relationships

Build and maintain strong client relationships to drive retention and long‑term growth

Expand the Bank’s SBA lending presence and market visibility

Loan Origination, Structuring & Compliance

Structure SBA 504 and 7A loan transactions in alignment with program guidelines and regulatory requirements

Ensure all loan packages protect the SBA guaranty and adhere to internal policies

Maintain deep expertise in SBA regulations, policies, and procedures

Credit Analysis & Risk Assessment

Conduct comprehensive financial analysis to assess borrower capacity, creditworthiness, and risk exposure

Identify risk factors and recommend appropriate mitigants

Deliver well‑supported credit recommendations and structure complex transactions

Manage and grow a profitable loan portfolio in accordance with Bank standards

Monitor portfolio performance and proactively address risk trends

Identify and execute cross‑sell opportunities across the Bank’s product suite

Loan Execution & Closing

Oversee preparation of loan presentations and credit packages

Facilitate loan closings while ensuring compliance with approved terms and conditions

Partner with internal stakeholders to ensure seamless transaction execution

Professional Development

Participate in ongoing SBA training, webinars, and industry education

Qualifications

Bachelor’s degree in accounting, Finance, or Business Administration required

Minimum of 5 to 10 years of progressive experience in SBA lending (504 and/or 7A programs)

Demonstrated success in loan origination, underwriting, and portfolio management

Financial & Credit Expertise: Loan analysis, underwriting, financial modeling

SBA & Regulatory Knowledge: SBA policies, procedures, and compliance standards

Business Development: Strong relationship management and revenue generation skills

Communication: Excellent written, verbal, and presentation abilities

Technology: Proficiency in Microsoft Office Suite, Credit Lens, and Connections Anywhere

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

Working Conditions
Prolonged sitting

Lifting from 5 to 10 lbs (printer paper, storage boxes)

Occasional bending or overhead lifting (storing files or boxes)

Work is performed in a normal office environment. Noise levels are usually moderate. May also involve travel to customers and property locations.

The hazards are mainly those present in a normal office setting and those present in commuting by car. Occasionally, they may be exposed to those conditions present in public forums and meeting places.

This job description may not be all‑inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management.

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law.

$99,400 - $163,300/annually

Please note, the base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, education, geographic location, internal equity, and other applicable business and organizational needs.

This role participates in a lucrative incentive plan, tied to company business and/or individual goal achievement and performance.

Team members accrue paid time‑off (PTO), receive Holiday (PTO) and are eligible to participate in the bank’s Health and Wellness benefits including Medical, Dental and Vision Plans, Flexible and Health Savings Accounts, and a 401(k) Retirement Plan. In addition, the company provides Disability Insurance, an Employee Assistance Program, and Basic Life Insurance. Company sponsored Tuition Disbursement and Loan Repayment programs are also available. Voluntary benefits include Supplemental Life Insurance, Accident, Critical Illness, Hospital Indemnity and Legal plans.

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