We are on the lookout for an experienced SBA Relationship Manager (Business Development Officer/BDO). We are looking for someone who is looking to work with a Regional Credit Union (WA, OR, ID) with an above average comp plan, open credit box, solid back-office support, and room to grow.
Take a leap and join our team!
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
Get to know us: About - Gesa Credit Union
Role Summary:
Gesa Credit Union is seeking a highly motivated and experienced Small Business Administration (SBA) Relationship Manager to join our dynamic team. The SBA Relationship Manager III reports to the SBA Sales Manager or SBA Lending Manager. The SBA Relationship Manager III (RM) is responsible for establishing, developing, and retaining customer relationships through referrals and business development. The RM will primarily market SBA loan guarantee programs such as 7(a), Express, SBA 504 and other government guarantee programs with emphasis on client contact and origination. This position will be a resource to the commercial team in each region to field SBA specific referrals. Successful candidates in the role must be able to engage in conversations that are client focused, easy to understand and lead to a solution that solves the financial problems for clients. In this role, you will analyze, and financial data related to loan requests, including lines of credit, commercial real estate, working capital, equipment financing, loans for business start-ups, and business acquisitions, which typically would require a government guarantee.
What You Will Be Doing:
- Responsible for the annual production of $10 million or more, in government guaranteed SBA 7(A) loans. The typical mix of deals is 75% 7a and 25% 504 deals. Other goals for business deposits and treasury management services will also be required.
2. Be knowledgeable of and promote all credit union products and services with active referrals to credit union partners.
3. Makes a substantial number of outside, in-person calls on prospects and clients requiring extensive automobile travel.
4. Develops and maintains a referral source database for both local and the credit unions overall SBA marketing purposes.
5. Accept credit applications, interview loan applicants, review applications and credit histories.
6. Evaluate existing and projected company cash flow.
7. Ability to structure an SBA Loan: Develop and present loan proposals, including terms, conditions, and repayment structures, that align with both SBA requirements and the needs of the business.
8. Collaborate with the credit underwriting team to evaluate loan applications, assess risk, collateral and make recommendations for loan approval.
9. Maintain existing customer relationships; develop and expand new customer relationships.
10. Prepare detailed, complete, loan approval presentations for new credit applications, extensions, modifications, and renewal requests.
11. Monitor loans through periodic reviews and documentation in conjunction with Portfolio Manager, SBA Credit Analyst/Underwriter, and/or as requested.
12. Collect past due accounts and/or support SBA Lending Manager/Portfolio Manager in the collection of accounts.
13. Properly maintain credit files including file memos updating the status of the client relationship. Maintain knowledge of and compliance with banking / credit union regulations including internal credit union policies. 14. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Credit Unions risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.
15. Serve as a liaison between branches and commercial loan officers to respond to referrals for new SBA business.
16. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
17. Perform assigned duties in accordance with Gesa Credit Union and the SBA’s Mission, Vision, and Core Values; and provide the members with timely, responsive and exceptional service in accordance with the credit union’s customer service standards. Provide exceptional, timely, and responsive customer service to both internal members/teams as well as external partnerships and members.
18. Understanding of the SBA Standard Operating Procedures (SOP’s), including origination, servicing, and liquidation.
19. Perform job duties with limited daily supervision, exercising a high level of discretion and sound judgment.
20. Will be asked to coach, mentor, or train others and teach coursework as subject matter expert.
21. Other duties as assigned.
About You:
- Advanced Business development skills are required.
2. Thorough knowledge of banking or credit union services
3. Thorough knowledge of commercial lending policies and procedures
4. Advanced knowledge of business cash flow and other financial analysis
5. Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel) applications to organize data used for advanced data analysis; internet; email; and bank software.
6. Ability to utilize technology to communicate effectively.
7. Display leadership values such as mutual respect, honesty, trust and dignity, and act in the best interest of the credit union. Always display solid ethics and integrity.
8. Ability to understand small business relationships and provide options that will meet their needs.
9. Ability to converse with business owners.
10. Ability to achieve a high sales level in business development and cross sales.
11. Ability to organize, prioritize and respond simultaneously to multiple tasks and requests.
12. Ability to work well in and contribute to a cohesive team environment.
13. Effectively communicate ideas and information, both verbal and written.
14. Display and maintain courtesy, tact and diplomacy with current and potential vendors, peers, and staff.
