Small Business Relationship Manager
Needham Bank
Manage small business loan portfolio, originate & underwrite commercial/SBA loans.
4 days ago ago
$100,379 - $140,531
Intermediate (4-7 years), Junior (1-3 years), Expert & Leadership (13+ years), Experienced (8-12 years)
Full Time
Needham, MA
Hybrid
Company Size
200 Employees
Service Specialisms
Business Checking
Business Savings
Cash Management
Commercial Loans
Business Overdraft Protection
Business Credit Card
Business Online & Mobile Banking
Merchant Services
Sector Specialisms
Commercial Real Estate
Construction
Industrial Parks
Retail Space
Apartment Properties
Mixed Use Properties
Role
What you would be doing
loan origination
portfolio management
credit analysis
application processing
client consultation
cross‑selling
- Quickly respond to customer and prospect inquiries and assist customers through the application process
- Submit applications to credit analysts for verification and recommendation
- Manage and grow an existing commercial loan portfolio.
- Work with clients to identify their financial goals and to find ways of reaching those goals
- Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank
- Assist Department in developing relationships that are creditworthy, deposit rich and aligned with the Bank's strategic goals.
- Stay abreast of new types of loans and other financial services and products to better meet clients' needs
- Assist in the collection/work out activities with troubled/non-performing assets
- Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans
- Meet with applicants to obtain information for loan applications and to answer questions about the process
- Work with the Bank's residential and commercial real estate groups in referring new business
- Participate on Bank task forces and committees as assigned
- Work with Director to aid in resolving commercial loan application problems as necessary
- Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management
- Originate and close new loans to existing customers and prospects consistent with the Bank's loan policies and state and federal regulations
- Represent the Bank at various community functions
- 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
What you bring
bachelor's
sba lending
15+ years
portfolio mgmt
risk mgmt
analytical
- Bachelor's degree in business, finance or related area
- Knowledge of department support structures, resources and personnel
- Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data
- Strong knowledge of small business and SBA lending practices and related areas
- Superior customer service skills, exceed customers' expectations
- 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)
- Educated in banking federal and state regulations and laws
- Fifteen or more years' experience in small business and SBA lending
- Extensive portfolio management, business development, risk management experience.
- Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
- Strong analytical and interpersonal skills
- Extensive knowledge of financial institution policies and procedures
- Strong Knowledge of all SBA Loan Programs including 7(a), Express and 504
- Fluent written and verbal English communication skills
- Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling
- Normal business office environment
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Interview process
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Visa SponsorshipInformation not given or found
Security clearanceInformation not given or found
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Company
Overview
Since 1834
Year of founding
Established as one of the oldest financial institutions in New England.
- A trusted financial partner, offering a wide range of banking solutions including personal banking, business services, and loans.
- Focused on building lasting relationships with clients through dedicated customer support and tailored solutions.
- Known for its deep commitment to local businesses, supporting growth and financial stability across New England.
- Consistently demonstrates resilience, adapting to changing financial landscapes while maintaining strong community roots.
- Expanding its services to meet the evolving needs of both individuals and businesses.
- Specializes in residential and commercial real estate loans, helping customers navigate home buying and property investments.
- Plays a key role in supporting local entrepreneurs, offering business loans and financial services that promote growth and innovation.
- We are committed to providing exceptional service to our customers.
- We build long-term relationships based on trust, respect, and loyalty.
- We are a team-driven organization that values collaboration and communication.
- We embrace innovation and continuous improvement to better serve our customers.
- We support the communities in which we operate by engaging in local partnerships and activities.
- We foster a work environment that encourages professional growth, diversity of thought, and inclusivity.
2030 Target
Net Zero Emissions Goal
Aims to achieve net zero emissions by 2030.
- Committed to reducing environmental impact and promoting sustainability.
- Uses energy-efficient technologies in office spaces to minimize energy consumption.
- Promotes green initiatives by supporting environmentally responsible projects and partnerships.
- Focuses on sustainability through reducing paper usage, increasing recycling efforts, and energy conservation.
- Promotes a culture of inclusion and diversity throughout the organization.
- Has a gender-diverse workforce, with a commitment to ensuring equal opportunities for all employees.
- Focuses on increasing female representation in senior leadership roles.
- Aims to increase diversity in its workforce while ensuring fairness and equal opportunity.
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