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Northwest Bank · 1 month ago

SBA Assistant Relationship Manager

Cottonwood Heights,UT,US

Full-time

Onsite

Entry Level

1+ years exp

Northwest Bank is seeking an SBA Assistant Relationship Manager to support Relationship Managers as part of the customer service team. The role involves conducting credit analyses, preparing loan presentations, and assisting in monitoring the loan portfolio while providing exceptional service to clients.

BankingFinanceFinancial Services

Responsibilities

Perform assigned duties in accordance with the Bank’s Mission, Vision and Core Values; and provide the Bank’s customers with timely, responsive and exceptional service in accordance with the Bank’s customer service standards

Investigate, interpret and analyze credit reports

Spread and analyze financial information

Evaluate existing and projected company cash flow

Determine value of collateral through review of appraisal, valuations, business financials, etc

Develop list of key information necessary to support the loan approval process

Prepare detailed loan presentations (Credit Memos) for the approval process

Make underwriting recommendations to the RM, Market President, SBA Operations Officer and/or designated credit administrator

Assist in monitoring loans through timely collection of financial information

Review financial information for loan compliance in order to maximize credit quality and minimize risk and potential loss

Assist with maintaining current financial information consistent with loan approval and ensure maintenance of the credit file

Serve as an important part of the customer service team

As requested, work with loan applicants to develop loan package

As requested, assist in the preparation of draft term sheets and commitment letters

Perform credit checks and site inspections as requested

Review reports to be informed of work flow, maturing loans (early identification of need for loan extensions), covenant compliance, etc

Analyze/recommend draw requests (via Borrowing Base Certificates, Construction Draws, etc.) as requested

Assist with the collection of past due accounts as requested

Assist with customer calls and marketing efforts as requested

Maintain knowledge of and compliance with banking regulations

Be knowledgeable of and able to promote all bank products and services

Perform other duties as assigned

Understanding of the SBA Standard Operating Procedures (SOP’s), including origination, servicing and liquidation

Understanding of all internal Bank policies

Ability to utilize technology to communicate effectively

Qualification

Credit analysisFinancial analysisSBA SOPsBusiness cash flow analysisLending policies knowledgeRisk analysisProficient computer skillsEffective communicationTime management

Required

Bachelor's degree in Finance, Business or other relevant area; or equivalent work experience

1 year experience in credit analysis and/or lending activities

Preferred

Developed credit analysis and analytical skills

Thorough understanding of business cash flow and differing legal business structures

Good knowledge of economics, accounting, and finance

Basic knowledge of risk analysis

Thorough knowledge of lending policies and procedures

Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software

Effective oral and written communication and time management skills

Understanding of the SBA Standard Operating Procedures (SOP's), including origination, servicing and liquidation