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Northwest Bank · 2 months ago

SBA Relationship Manager

Boise, ID

Full-time

Onsite

Senior Level

5+ years exp

Northwest Bank is seeking an SBA Relationship Manager to originate loans and provide products and services to business and professional clientele. The role involves developing and maintaining customer relationships, managing a loan portfolio, and ensuring high-quality client service.

BankingFinanceFinancial Services

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

Qualification

Government guaranteed lendingBusiness developmentCredit analysisLending policies knowledgeBusiness cash flow knowledgeMicrosoft Office proficiencyEffective communication

Required

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

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