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SouthState Bank · 9 hours ago

SBA Relationship Manager

Winter Haven, FL

Full-time

Onsite

Mid Level

$85K/yr - $136K/yr

3+ years exp

SouthState Bank is a trusted financial partner known for its commitment to helping customers move forward. The SBA Relationship Manager is responsible for originating SBA loans, analyzing loan applications, and developing new business opportunities while ensuring compliance with lending regulations.

BankingFinanceFinancial ServicesLendingWealth Management

Responsibilities

Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request

Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements

Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means

Presents loan requests to the appropriate approver when the proposed loan dollar volume exceeds the assigned Credit Administrator authority

Authorizes or rejects overdrafts in depository account within established authorities

Monitors loan repayment activities and takes necessary action to collect from past-due accounts

Develops new business by contacting prospects and customers, cross-sells bank services

Prepares lending activity reports for department management

Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities

Keeps abreast of SBA and USDA B&I loan program regulation, and assures adherence to said regulations

Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities

Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development

If assigned to assist the conventional Relationship Managers, or other Bank conventional lenders on government lending, the expectation is that the Government Lending RM will work hand in hand with the conventional lenders at the Bank to assess and process and internal loan referrals

Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with

Provide assistance to other employees by liaising with them through healthy and positive interactions

Be involved in performing marketing endeavors/efforts

Continuously update skills by participating in professional training

Seek opportunities to improve skills through cross-training offered by the Bank

All other tasks, responsibilities or duties, as directed by management

Qualification

Commercial lending experienceGovernment lending knowledgeSBA loan originationFinancial analysisMicrosoft Office proficiencyMulti-tasking abilityCommunication skillsInterpersonal skillsAttention to detailTeam player

Required

Bachelor's Degree in Business, Finance or equivalent work experience in related field

3-5 years of previous commercial lending experience in a bank or loan setting

Will provide government guaranteed loans in compliance with the SouthState Bank and governmental loan program policies and procedures

Requires knowledge of office practices, procedures and general office machines

Must be able to prepare documents and compose business letters and memorandums

Must be able to maintain confidentiality of customer and employee information

Must be a self-starter and able to work independently

Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process

Must be able to work at a faster than average pace and able to multi-task

Must have good knowledge of business English, spelling and punctuation

Must possess basic language skills to write and speak clearly, effectively, and appropriate to business standards

Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action

Must be professional in appearance

Regular attendance in necessary

Be a team player in recommending and referring additional products and services to other lines of business within the company

Must have strong communication skills characterized by excellent writing and speaking skills

Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department

Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank

Must have good knowledge of business English, including spelling and punctuation

Must possess basic English language skills in order to write and speak clearly, and effectively with coworkers and customers

Must be well-organized, accurate, and attentive to detail

Must be cooperative and willing to assist coworkers and customers on a regular basis

Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others

Must possess excellent multi-tasking skills and be able to function well under pressure

Must be able to remain composed under pressure and respond to customer and coworker concerns regularly

Must have a keen eye for detail and follow instructions to the letter

Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times

Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday

Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift

Must be able to walk frequently throughout the day

Must be able to hear and communicate with coworkers and customers throughout the day

May need to lift up to 25 pounds one to two times a day to perform job

Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes

Must demonstrate excellent interpersonal skills with customers and coworkers

Must be willing to function as a team member

Must be willing to demonstrate commitment to SouthState Bank's mission and goals