Job Summary
The SBA Relationship Manager plans and implements financial institution sales and marketing programs targeted toward the business community and examines, evaluates, and recommends approval of all types of Small Business Administration loans.
Essential Job Functions
Assists lending team in all facets of growing and managing the bank’s SBA loans. Develops new and additional deposits, cash management and bank services revenue. Works with clients to resolve account or service-related problemsMaintains ongoing visibility with client baseCalls and visits target customers to promote and sell establishment products and services. Promotes and cross-sells other establishment products and services as appropriate to customer requirements, such as business checking, business credit card, and letters of credit. Develops, revises, or eliminates products and services experiencing less than satisfactory performance. Acquires and grows profitable account relationships with moderately complex business customers and commercial real estate investors/owners.Accurately analyzes borrowers’ financial status, credit and property evaluations, credit histories, corporate financial statements and other relevant financial information to determine feasibility of granting loans; prepare loan presentations with the assistance of loan processors to Loan Committee for approval.Reviews and updates credit and loan files and loan agreements to ensure that they are complete and accurate according to policy.Cohesively partners with GBC team members and business lines to deliver exemplary customer service of GBC’s full complement of products and offerings.Compiles and analyzes market research data to develop portfolio of products and services focused on needs of target market. Generates new products and services to complement current portfolio. Generates and screens leads following establishment policies and procedures to attain new business relationships and product sales. Designs selling program to promote establishment consumer and business loan products. Oversees all stages of loan development program to ensure compliance with establishment policies and procedures.Knowledge:
Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data.Knowledge of business and management principles.Knowledge of principles and processes for providing customer and personal services.The ability to:
Communicate information and ideas in speaking so others will understand.Apply general rules to specific problems to produce answers that make sense.Listen to and understand information and ideas presented through spoken words and sentences.Qualifications/Requirements
Bachelor Degree/Master’s Degree or equivalent.Actively strive to increase customers' deposit business within the bank.Demonstrated sales experience, negotiation skills, business development, portfolio management skills, accounting and/or financial acumen. Read LessJob Summary
The Loan Operations Specialist plays a key role in ensuring the accurate and timely administration of the bank’s loan portfolios throughout the entire loan lifecycle. This position focuses on loan transaction processing, loan account maintenance, escrow management, loan documentation, funding coordination, and exceptional customer support.
The ideal candidate is detail-oriented, highly organized, and adept at managing multiple priorities in a fast-paced banking environment. This role requires strong communication skills, sound judgment, and the ability to collaborate effectively with internal departments, external partners, and clients while maintaining full compliance with regulatory and policy requirements.
Essential Job Functions
Loan Servicing & Account Administration
Accurately set up and board new loans into the bank’s core system (e.g., Horizon) based on approved credit terms and documentation.Process payments, payoffs, rate changes, advances, and principal or interest adjustments for commercial, real estate, and government-guaranteed loans.Maintain and update accounts for modifications, extensions, renewals, and covenant compliance.Ensure accuracy of accruals, amortization schedules, and general ledger entries.Escrow, Insurance & Tax Management
Manage escrow accounts and ensure timely disbursement of tax and insurance payments.Track insurance renewals and verify compliance with internal and regulatory requirements (e.g., flood and hazard insurance).Conduct periodic escrow analyses and communicate shortages or overages to borrowers.Set up and monitor delinquent property taxes.Maintain organized records of insurance and tax documentation for audit and compliance review.Customer & Internal Support
Serve as a key servicing liaison to Relationship Managers, Credit Administration, and external vendors.Respond to customer and internal inquiries regarding loan payments, balances, escrow accounts, and payoff requests.Prepare payoff statements, satisfaction letters, and other loan related correspondence.Research and resolve discrepancies or servicing errors efficiently and professionally.Support Relationship Managers by providing timely and accurate loan information.Loan Documentation & Funding Coordination
Assist in preparing, reviewing, and processing loan documentation for accuracy, completeness, and compliance with approved credit terms.Retrieve and verify required documentation (e.g., title reports, flood certifications, insurance policies, entity documents).Coordinate with documentation and funding teams to ensure all closing and post closing conditions are met before disbursement.Review executed documents for completeness, signatures, and notary requirements before final funding.Maintain organized digital and physical loan files across shared systems and repositories.Post-Closing & Compliance Oversight
Track and monitor post-closing items such as recorded documents, ALTA policies, and UCC filings or continuations.Maintain ticklers for insurance expirations, covenant compliance, and renewal dates.Assist with regulatory and internal compliance reviews to ensure all records meet audit and retention standards.Support periodic portfolio reviews and examinations by providing requested data and documentation.Other duties as assigned.
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