Business Relationship Manager II SBA

About the role

The Business Relationship Manager II is an experienced commercial lending professional specializing in small and mid-sized business lending, including SBA and conventional loans, and business banking services.

Responsibilities

• Proactively identify and pursue small business lending opportunities through networking, community involvement, referral partnerships, and direct outreach.
• Build and maintain a portfolio of small business and SBA lending relationships with focus on quality, profitability, and risk management.
• Conduct comprehensive financial and operational assessments of businesses to identify appropriate financing solutions.
• Develop trusted advisor relationships with business owners, serving as the single point of contact for their banking needs.
• Participate in community business organizations, chambers of commerce, and industry groups to build brand awareness and generate referrals.
• Achieve individual sales goals for loan origination volume, fee income, and deposit growth.
• Cross-sell treasury management, business deposits, and other credit union products and services.
• Understand business financial statements, tax returns, cash flow projections, and collateral to determine credit worthiness.
• Prepare comprehensive loan presentations including credit analysis, risk assessment, and loan structure recommendations.
• Ensure accurate loan documentation and compliance with SBA requirements and credit union policies.
• Work with underwriting team to address conditions and secure final loan approval.
• Maintain accurate records of borrower interactions, financial updates, and portfolio changes in loan management system.
• Partner with loan servicing and operations teams to resolve member service issues.
• Perform detailed financial analysis including ratio analysis, cash flow projections, and sensitivity analysis.
• Evaluate business operations, management experience, industry trends, and competitive position.
• Assess collateral value and loan-to-value ratios to ensure adequate security.
• Identify and mitigate credit risks through appropriate loan structure, covenants, and guarantees.
• Stay current on and act as a team resource for interpreting SBA lending guidelines, SOP updates or program changes and industry best practices; escalating nuanced items to leadership as needed.
• Share knowledge, best practices, support onboarding and knowledge transfer by mentoring less experienced SBA BRMs or lending support staff.
• Collaborate with Treasury Management Sales Officers to deliver comprehensive banking solutions.
• Work with Account Services team to ensure smooth account opening and onboarding for new business members.
• Contribute to team-wide performance and learning by partnering with leadership on strategic initiatives, best practices and process improvements.

Requirements

• Bachelor's degree in Business, Finance, Accounting, or related field preferred.
• Or equivalent education and/or experience required.
• 5+ years of commercial lending experience with demonstrated SBA lending expertise required.
• 4+ years experience with relationship management and business development within financial services required.
• Proven track record of originating small business loans and achieving production goals required.
• Demonstrates a strong grasp of SBA lending requirements, credit principles, and regulatory compliance, with the ability to evaluate business financials, risk, and loan structure against SBA SOPs.
• Has a deep understanding of small business operations, industry dynamics, and financial drivers to assess creditworthiness and identify opportunities for long-term member success required.
• Ability to build, nurture, and expand trusted relationships with small business clients, local chambers of commerce, business associations, accountants, and attorneys required.
• Collaborative mindset with the ability to mentor peers and contribute to continuous improvement across the SBA lending function.
• Works effectively with credit analysts, underwriters, and SBA specialists required.
• Strong organizational and time management skills; capable of balancing multiple deals and stakeholders while delivering exceptional member service required.
• Excellent interpersonal, written, and presentation skills required.
• Comfort with change and managing multiple client relationships in dynamic conditions required.
• Familiarity with CRM systems, digital banking platforms, and financial modeling tools required.
• AZDL – Driver License - Valid driver's license and ability to meet with members at their business locations required.
• SBA Certified Lender preferred.