SBA Relationship Manager
Client Relationship Management and Business Development
Establishes strong relationships with current and prospective commercial and SBA clients.
Serves as a trusted advisor by identifying financing, deposit, and treasury solutions aligned with client needs.
Knows the Bank's products and services thoroughly.
Identifies opportunities to expand relationships through cross-selling of loan and non-credit products.
Deepens existing client relationships.
Participates in calling programs to generate new business opportunities.
Collaborates with lenders and Bank partners on client and prospect engagements.
Support the Growth and Development of Assigned Commercial Lending Portfolio
Supports the growth and development of assigned commercial lending loan portfolio by effectively managing client portfolios for revenue opportunities and/or loan exposures.
Underwrites conventional and SBA loan transactions in accordance with Bank policy and SBA guidelines.
Evaluates SBA loan applications for completeness, creditworthiness, and regulatory compliance.
Performs detailed financial analysis to assess borrower capacity and credit risk.
Maintain Accurate and Organized Loan Documentation
Ensures all SBA loan applications meet regulatory requirements and compliance standards set by the SBA and other governing bodies.
Communicates the credit recommendations for loan decisions clearly to senior management, loan committee, and clients.
Maintains accurate, well-organized loan documentation.
Verifies loan documentation is complete and accurate according to policy.
Monitor Portfolio Performance
Makes sure to monitor portfolio performance including delinquencies, covenants, and maturities.
Aids in periodic loan reviews and renewals and risk rating assessments as required.
Knowledge of SBA Products and Programs
Establishes and maintains relationships with current and prospective clients; proactively identifies and recommends opportunities to cross-sell additional loan and non-credit products to clients.
Helps resolve credit problems, delinquent payment issues, and other related affairs.
Reviews current account status, to include but not limited to, past due accounts and notes matured; makes appropriate recommendations for such accounts.
Review Portfolio and Lending Activity Reports
Prepares portfolio and lending activity reports for management and loan committee as required.
Other Duties as Assigned
May participate in evaluating risk rating and make revision recommendations.
Demonstrates support and collaboration with Credit administration to align current and prospective business with Potomac Bank's credit culture.
Security
Maintains neat and orderly work area and ensures that all negotiables and confidential records are properly secured each day.
Understands role in case of disaster or robbery, whether victim or bystander, and knows proper post-robbery procedures.
Adheres to all bank policies and procedures and to internal controls and system access restrictions.