SBA Manager bei undefined

Ready to lead with purpose and make a lasting impact? The Bank of Elk River is seeking a dynamic SBA Manager who thrives on building relationships, driving excellence, and strengthening communities through smart lending solutions. Join a team where trust, innovation, and people-first values aren’t just buzzwords—they’re how we do business every day!

At The Bank of Elk River, we believe in the following core values:

• We put people first: Our customers, co-workers, and communities inspire us every day. We are dedicated to your success and believe that by building strong relationships, empowering our team to make decisions, and developing genuine connections, we all succeed.
• We build trust: Since 1885, trust has been the foundation of our business. Our unwavering commitment to integrity, honesty, and respect guides us today. You can count on us now and in the future.
• We pursue excellence: We embrace a culture of innovative thinking and continuous learning. We leverage diverse perspectives through communication and collaboration to deliver, relevant progressive solutions that exceed expectations.
• We strengthen communities: We are driven to make a positive and lasting impact. By investing financial resources, sharing our expertise, and devoting our time, we strengthen the communities we serve.

SUMMARY 

The SBA Manager is responsible for administering the Bank’s program loans (SBA, BancAlliance, BHG), discounter relationship loans (KLC and Waterstreet), and participation purchased loans by overseeing origination, servicing, and liquidation processes.  Acting as the main liaison with the U.S. Small Business Administration, this role ensures applicant eligibility, compliance with policies, and strong relationships with all stakeholders. Key duties include evaluating creditworthiness, supporting credit analysis, developing proposals, and guiding staff through loan processes. Continuous learning and risk assessment are essential to enhance banking operations and customer experience.

QUALIFICATIONS

To perform this job successfully the individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Administer the Bank’s SBA loan programs as well as other program loans (BancAlliance, BHG, KLC, Waterstreet, and participation loans), overseeing origination, servicing, and liquidation processes.
• Act as the primary liaison with the U.S. Small Business Administration and manage relationships with internal and external customers to support the Bank’s integrity and brand.
• Screen loan applicants and referral sources for SBA eligibility and creditworthiness in alignment with bank and SBA policies.
• Manage the SBA eligibility certification process and ensure compliance with all relevant policies and procedures for SBA and other program loans.
• Assist in credit analysis and preparation of loan and credit presentations for all types of loans, including gathering, analyzing, and interpreting financial information on customers and portfolios.
• Make structural recommendations and decisions regarding credit extensions and assess risk for SBA and other program loans to support the Bank’s strategic goals.
• Develop accurate written proposals and loan presentations that adhere to the Bank’s credit window, policies, and acceptable terms and pricing.
• Provide ongoing training, mentoring, and support to staff and assist loan officers and analysts with loan packaging, underwriting, documentation, closings, and servicing.
• Evaluate complex financial information to determine customer stability, repayment ability, collateral coverage, and risk relative to industry standards and projected cash flow.
• Continuously learn and apply new SBA and bank rules, policies, and methods to enhance commercial banking operations and customer service.
• Required, reliable attendance is required.

EDUCATION/EXPERIENCE

• Bachelor’s degree (BA) from a 4-year college or university preferred and 3+ years related experience.
• Preferred relevant certifications.

PHYSICAL DEMANDS

While performing the duties of this job, the employee is regularly required to sit and use computer for extended periods. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

It is the individual responsibility of every employee to maintain a current awareness and understanding of and to fully comply with The Bank of Elk River’s “Code of Ethics Policy.” Each employee is also expected to maintain an awareness of the laws, regulations, internal policies and procedures that are appropriate for his/her position. Each employee must also comply with consumer protection laws that relate to his/her position.