Senior SBA Relationship Manager

Join Our Team

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today.

This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

This position is responsible for, but not limited to, originating U.S. Small Business Administration (SBA) 7a loans and U.S. Department of Agriculture Business and Industry (USDA B&I) loans. Incumbents are expected to meet or exceed production goals, which are set annually by the Bank.

Essential Duties And Responsibilities

• Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
• Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means
• Presents loan requests to the executive loan committee when the proposed loan dollar volume exceeds the assigned Credit Administrator authority
• Authorizes or rejects overdrafts in depository account within established authorities
• Monitors loan repayment activities and takes necessary action to collect from past-due accounts
• Advise customers, where possible, concerning business management and financial matters
• Serves as a contact officer for non-borrowing accounts and loan customers for matters relating to other bank services
• Develops new business by contacting prospects and customers, cross-sells bank services
• Prepares lending activity reports for department management
• Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities
• Keeps abreast of SBA and USDA B&I loan program regulation, and assures adherence to said regulations
• Participates in community affairs to increase the bank's visibility and to enhance new business opportunities
• Maintains professional and community relations to increase the bank's visibility and new business opportunities, and to further personal development
• If assigned to assist the conventional Relationship Managers, or other Bank conventional lenders on government lending, the expectation is that the Government Lending RM will work hand in hand with the conventional lenders at the Bank to assess and process and internal loan referrals
• Ensure that the Bank's policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions
• Be involved in performing marketing endeavors/efforts
• Continuously update skills by participating in professional training
• All other tasks, responsibilities or duties, as directed by management

Educational And Work Experience Requirements

• Bachelor's Degree in Business, Finance or equivalent work experience in related field
• 8 - 10 years of previous commercial lending experience in a bank or loan setting
• Minimum of 5 years' experience in government lending preferred
• Will provide government guaranteed loans in compliance with Vinings Bank and governmental loan program policies and procedures
• Requires knowledge of office practices, procedures and general office machines
• Must be able to prepare documents and compose business letters and memorandums
• Must be able to maintain confidentiality of customer and employee information
• Must be a self-starter and able to work independently
• Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process
• Must possess basic language skills to write and speak clearly, effectively, and appropriate to business standards
• Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action
• Must be professional in appearance
• Regular attendance in necessary
• Be a team player in recommending and referring additional products and services to other lines of business within the company

Physical Requirements

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union's policies and procedures related to the SAFE ACT. This includes an obligation on the employee's part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Georgia's Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.