Business Relationship Manager I SBA

The Business Relationship Manager I, SBA specializes in developing and managing relationships with small business members to originate SBA, conventional small business loans, and business banking services. They serve as a trusted advisor to small business owners, understanding their financing needs, navigating the SBA lending process, and delivering comprehensive banking solutions that support business growth. They combine relationship development, credit analysis, loan structuring, and portfolio management to build a high-quality book of small business and SBA lending relationships. They are critical to ensure achievement of the credit union's strategic goals including significantly expanding SBA lending volume and establishing the organization as a preferred small business lender in the community.

What you will do here:

Business Development & Relationship Management

Proactively identify and pursue small business lending opportunities through networking, community involvement, referral partnerships, and direct outreach

Build and maintain 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 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

SBA Loan Origination & Structuring

Understand business financial statements, tax returns, cash flow projections, and collateral to determine credit worthiness

Understand SBA 7(a) and 504 loans in accordance with SBA guidelines, credit union policies, and sound lending practices

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

Portfolio Management & Member Service

Monitor performance of existing loan portfolio and maintain regular contact with borrowers

Conduct annual business reviews with borrowers to assess financial performance and identify additional needs

Identify and address early warning signs of credit deterioration and work proactively to mitigate risks

Ensure compliance with loan covenants and ongoing documentation requirements

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

Credit Analysis & Risk Assessment

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 SBA lending guidelines, credit union lending policies, and industry best practices

Internal Collaboration

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

Partner with business banking leadership on strategic initiatives and process improvements

Share knowledge and best practices with other team members.

What you will need:

Bachelor's degree in Business, Finance, Accounting, or related field preferred.

or equivalent combination of education and experience required.

3+ years of commercial lending experience with demonstrated SBA lending expertise required.

Proven track record of originating small business loans and achieving production goals required.

2+ years experience with relationship management and business development within financial services required.

Credit union or community bank experience strongly preferred preferred.

Demonstrated expertise in analyzing business financial statements and assessing credit risk required.

Demonstrated knowledge of BSA/AML, CIP, and commercial lending regulations required.

Ability to build, nurture, and expand trusted relationships with small business clients required.

Ability to builds partnerships with local chambers of commerce, business associations, accountants, and attorneys required.

Deep understanding of small business operations, industry trends, and financial drivers. Capable of interpreting business plans, financial statements, and projections to assess creditworthiness and growth opportunities required.

Strong grasp of credit principles and SBA lending requirements. Ability to evaluate collateral, repayment capacity, and financial performance metrics. Demonstrated knowledge of loan structures, guarantees, and compliance with SBA Standard Operating Procedures 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.

Works effectively with credit analysts, underwriters, and SBA specialists required.

SBA Certified Lender preferred.

AZDL – Driver License Valid driver's license and ability to meet with members at their business locations required.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

For additional information about our organization, careers, and benefits visit: http://www.desertfinancial.com/careers.