Small Business Relationship Manager
for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Use - for any list of duties/requirements/benefits, and
for prose. Do NOT repeat job title as heading. Do NOT put Job ID/requisition numbers as headings. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. Include a section ONLY when posting has real, specific content for it — never emit heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless posting actually states them.
We need to extract substantive info.
The posting: "Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments." That's like a summary.
Then "Essential Duties & Responsibilities" followed by many bullet-like sentences (though not bullet). We need to turn those into list items.
Then "Job Requirements" with bullet-like sentences.
Then "Education & Experience" with bullet-like sentences.
Then "WORKING CONDITIONS/PHYSICAL DEMANDS" then "Normal business office environment". Then "Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short- and long-term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply."
Then EEO boilerplate etc.
We need to remove EEO boilerplate and other legal stuff.
We need to decide sections.
We have content for:
- About the role: maybe the first sentences: "Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments." Could be considered "About the role". Use
About the role
then ...
.
- Responsibilities: the list under "Essential Duties & Responsibilities". We'll create Responsibilities
then - each duty.
- Requirements: the list under "Job Requirements". We'll create
Requirements
then .
- Qualifications/Education & Experience: maybe combine as Qualifications? The posting has "Education & Experience". Could be Qualifications. We'll create Qualifications
then for bullet points.
- Skills: maybe not separate; we have skills listed within Requirements. Could embed.
- Benefits: The posting mentions benefits: "Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short- and long-term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well." That's specific benefits. So we can create Benefits
then list each benefit.
- Pay: The posting mentions "competitive salary" but no specific numbers. It says "The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply." That's vague; we should not create Pay section unless posting actually states them. It does not give a specific range; it's generic. According to rule: never create Pay/Schedule/Benefits sections unless posting actually states them. Benefits we have specific list, so okay. Pay: we have only "competitive salary" and vague statement; that might be considered filler/placeholder? It says "competitive salary" but no numbers. The rule says: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD"). "competitive salary" is vague but not exactly placeholder like "varies". However it's not specific. Safer to not create Pay section. We'll omit Pay.
- Schedule: Not mentioned. So omit.
- Working conditions: "Normal business office environment". Could be a section? Possibly "Working Conditions". But rule: we prefer few substantive sections over many thin ones. Could incorporate into Qualifications or Responsibilities? Might be its own section but it's thin. Could combine into a under Qualifications? Might be better to have a short
under a section like "Working Conditions". However rule says prefer few substantive sections over many thin ones. Since we already have several sections, maybe we can incorporate working conditions into a
under Qualifications or Responsibilities? But it's not really duty or requirement. Could create a small section "Working Conditions" with
Normal business office environment.
. That's not thin? It's a single sentence but still substantive. Might be okay. However we need to avoid filler. It's specific. I'd include it as a section.
But we need to check if we have duplicate content: The benefits list includes many items; we should list them as - .
Now we need to strip boilerplate: EEO statements, "At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn’t align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity." Remove that.
Also remove "WORKING CONDITIONS/PHYSICAL DEMANDS" heading? We'll keep content but not heading as heading? We'll create our own
Working Conditions
.
Now produce HTML fragment.
Structure:
About the role
Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments.
Responsibilities
- Assist Department in developing relationships that are creditworthy, deposit rich and aligned with the Bank’s strategic goals.
- Mentor and work closely with less experienced team members in order to continue their professional development
- Provide technical assistance to customers and prospects in order to assist them through their application process
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans
- Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations
- Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank
- Stay abreast of new types of loans and other financial services and products to better meet clients’ needs
- Submit applications to credit analysts for verification and recommendation
- Work with clients to identify their financial goals and to find ways of reaching those goals
- Work with Director to aid in resolving commercial loan application problems as necessary
- Manage and grow an existing commercial loan portfolio.
- Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management
- Quickly respond to customer and prospect inquiries and assist customers through the application process
- Work with the Bank’s residential and commercial real estate groups in referring new business
- Assist in the collection/work out activities with troubled/non-performing assets
- Represent the Bank at various community functions
- Participate on Bank task forces and committees as assigned
- Perform additional duties as requested, needed or assigned
Requirements
- Extensive portfolio management, business development, risk management experience.
- Extensive knowledge of financial institution policies and procedures
- Strong knowledge of small business and SBA lending practices and related areas
- Strong Knowledge of all SBA Loan Programs including 7(a), Express and 504
- Knowledge of department support structures, resources and personnel
- Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling
- Strong analytical and interpersonal skills
- Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
- Superior customer service skills, exceed customers’ expectations
- Fluent written and verbal English communication skills
- Ability to adhere to Needham Bank’s Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)
Qualifications
- Bachelor’s degree in business, finance or related area
- Fifteen or more years’ experience in small business and SBA lending
- Educated in banking federal and state regulations and laws
- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data
Benefits
- Fully paid medical and dental insurance
- HRA
- 401(k) plan with an 8% bank match
- Paid time off (PTO)
- Paid holidays
- Bonus program
- Flexible spending accounts
- Vision service plan
- Group term life insurance
- Short- and long-term disability insurance
- Tuition reimbursement
- Employee Assistance Program
Working Conditions
Normal business office environment.
Check for any leftover boilerplate: We removed EEO and diversity statement. Also removed "The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply." That's pay-related but we omitted Pay section. Should we include that as a under Benefits? Probably not; it's vague. Better to omit.
Also removed "We offer a great benefit package to our eligible part-time employees as well." That's part of benefits; we could incorporate as a note. Could add a
- Benefits also available to eligible part-time employees.
but it's not a specific benefit. Might be okay to include as a - Benefits also available to eligible part-time employees.
but it's not a specific benefit; still substantive. However
for prose. Do NOT repeat job title as heading. Do NOT put Job ID/requisition numbers as headings. Remove boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions. Include a section ONLY when posting has real, specific content for it — never emit heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless posting actually states them. We need to extract substantive info. The posting: "Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments." That's like a summary. Then "Essential Duties & Responsibilities" followed by many bullet-like sentences (though not bullet). We need to turn those into list items. Then "Job Requirements" with bullet-like sentences. Then "Education & Experience" with bullet-like sentences. Then "WORKING CONDITIONS/PHYSICAL DEMANDS" then "Normal business office environment". Then "Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short- and long-term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well. The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply." Then EEO boilerplate etc. We need to remove EEO boilerplate and other legal stuff. We need to decide sections. We have content for: - About the role: maybe the first sentences: "Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments." Could be considered "About the role". Use
About the role
then...
. - Responsibilities: the list under "Essential Duties & Responsibilities". We'll createResponsibilities
then- each duty.
- Requirements: the list under "Job Requirements". We'll create
Requirements
then- .
- Qualifications/Education & Experience: maybe combine as Qualifications? The posting has "Education & Experience". Could be Qualifications. We'll create
- .
Now we need to strip boilerplate: EEO statements, "At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn’t align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity." Remove that.
Also remove "WORKING CONDITIONS/PHYSICAL DEMANDS" heading? We'll keep content but not heading as heading? We'll create our own
Working Conditions
. Now produce HTML fragment. Structure:About the role
Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments.
Responsibilities
- Assist Department in developing relationships that are creditworthy, deposit rich and aligned with the Bank’s strategic goals.
- Mentor and work closely with less experienced team members in order to continue their professional development
- Provide technical assistance to customers and prospects in order to assist them through their application process
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans
- Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations
- Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank
- Stay abreast of new types of loans and other financial services and products to better meet clients’ needs
- Submit applications to credit analysts for verification and recommendation
- Work with clients to identify their financial goals and to find ways of reaching those goals
- Work with Director to aid in resolving commercial loan application problems as necessary
- Manage and grow an existing commercial loan portfolio.
- Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management
- Quickly respond to customer and prospect inquiries and assist customers through the application process
- Work with the Bank’s residential and commercial real estate groups in referring new business
- Assist in the collection/work out activities with troubled/non-performing assets
- Represent the Bank at various community functions
- Participate on Bank task forces and committees as assigned
- Perform additional duties as requested, needed or assigned
Requirements
- Extensive portfolio management, business development, risk management experience.
- Extensive knowledge of financial institution policies and procedures
- Strong knowledge of small business and SBA lending practices and related areas
- Strong Knowledge of all SBA Loan Programs including 7(a), Express and 504
- Knowledge of department support structures, resources and personnel
- Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling
- Strong analytical and interpersonal skills
- Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
- Superior customer service skills, exceed customers’ expectations
- Fluent written and verbal English communication skills
- Ability to adhere to Needham Bank’s Core Values (Focus on Customer Relationship, Embrace Change, Work as a Team, Be an Asset to Your Community, Always Learn, and Do the Right Thing)
Qualifications
- Bachelor’s degree in business, finance or related area
- Fifteen or more years’ experience in small business and SBA lending
- Educated in banking federal and state regulations and laws
- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data
Benefits
- Fully paid medical and dental insurance
- HRA
- 401(k) plan with an 8% bank match
- Paid time off (PTO)
- Paid holidays
- Bonus program
- Flexible spending accounts
- Vision service plan
- Group term life insurance
- Short- and long-term disability insurance
- Tuition reimbursement
- Employee Assistance Program
Working Conditions
Normal business office environment.
Check for any leftover boilerplate: We removed EEO and diversity statement. Also removed "The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply." That's pay-related but we omitted Pay section. Should we include that as aunder Benefits? Probably not; it's vague. Better to omit. Also removed "We offer a great benefit package to our eligible part-time employees as well." That's part of benefits; we could incorporate as a note. Could add a
- Benefits also available to eligible part-time employees. but it's not a specific benefit. Might be okay to include as a
- Benefits also available to eligible part-time employees. but it's not a specific benefit; still substantive. However
Qualifications
then- for bullet points.
- Skills: maybe not separate; we have skills listed within Requirements. Could embed.
- Benefits: The posting mentions benefits: "Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short- and long-term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well." That's specific benefits. So we can create
Benefits
then- list each benefit.
- Pay: The posting mentions "competitive salary" but no specific numbers. It says "The pay range provided is based on what we believe is a reasonable estimate for the pay range for this job at the time of posting. Actual pay may vary based on experience, skills, and market factors; additional compensation may apply." That's vague; we should not create Pay section unless posting actually states them. It does not give a specific range; it's generic. According to rule: never create Pay/Schedule/Benefits sections unless posting actually states them. Benefits we have specific list, so okay. Pay: we have only "competitive salary" and vague statement; that might be considered filler/placeholder? It says "competitive salary" but no numbers. The rule says: include a section ONLY when posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g., "commensurate with experience", "not specified", "N/A", "varies", "TBD"). "competitive salary" is vague but not exactly placeholder like "varies". However it's not specific. Safer to not create Pay section. We'll omit Pay.
- Schedule: Not mentioned. So omit.
- Working conditions: "Normal business office environment". Could be a section? Possibly "Working Conditions". But rule: we prefer few substantive sections over many thin ones. Could incorporate into Qualifications or Responsibilities? Might be its own section but it's thin. Could combine into a
under Qualifications? Might be better to have a short
under a section like "Working Conditions". However rule says prefer few substantive sections over many thin ones. Since we already have several sections, maybe we can incorporate working conditions into a
under Qualifications or Responsibilities? But it's not really duty or requirement. Could create a small section "Working Conditions" with
Normal business office environment.
. That's not thin? It's a single sentence but still substantive. Might be okay. However we need to avoid filler. It's specific. I'd include it as a section. But we need to check if we have duplicate content: The benefits list includes many items; we should list them as - .
Now we need to strip boilerplate: EEO statements, "At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn’t align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity." Remove that.
Also remove "WORKING CONDITIONS/PHYSICAL DEMANDS" heading? We'll keep content but not heading as heading? We'll create our own