SBA Relationship Manager

The Commercial Relationship Manager/SBA Lending Officer is responsible for developing, managing, and growing a portfolio of commercial and SBA clients. This role combines relationship management, business development, credit underwriting, and portfolio oversight to deliver sound credit decisions, deepen client relationships, and support the Bank’s growth objectives while maintaining strong credit quality and compliance.

• Establishes strong relationships with current and prospective commercial and SBA clients.
• Serves as a trusted advisor by identifying financing, deposit, and treasury solutions aligned with client needs.
• Knows the Bank’s products and services thoroughly.
• Identifies opportunities to expand relationships through cross‑selling of loan and non‑credit products.
• Deepens existing client relationships.
• Develops and maintains relationships with referral sources.
• Participates in calling programs to generate new business opportunities.
• Collaborates with lenders and bank partners on client and prospect engagements.
• Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent customer service.
• Handles customer complaints or questions and determines the action to be taken to remedy the situation.
• Supports the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios for revenue opportunities and/or loan exposures.
• Underwrites conventional and SBA loan transactions in accordance with bank policy and SBA guidelines.
• Evaluates SBA loan applications for completeness, creditworthiness, and regulatory compliance.
• Performs detailed financial analysis to assess borrower capacity and credit risk.
• Ensures all SBA loan applications meet regulatory requirements and compliance standards set by the SBA and other governing bodies.
• Communicates the credit recommendations for loan decisions clearly to senior management, loan committee, and clients.
• Maintains accurate, well‑organized loan documentation and verifies completeness and accuracy according to policy.
• Monitors portfolio performance, including delinquencies, covenants, and maturities.
• Assists in periodic loan reviews, renewals, and risk rating assessments as required.
• Possesses detailed knowledge of the bank’s loan policy and verifies whether a loan request conforms.
• Stays current on changes in SBA lending programs, regulations, and industry trends.
• Investigates applicant’s background and verifies credit and bank references.
• Provides objectivity to the credit approval process.
• Analyzes applicant financial status and credit to determine feasibility of granting/renewing loan requests.
• Ensures adherence to credit policy, guidelines, and regulatory requirements.
• Utilizes Loan Vantage software to track prospecting activity.
• Assists in the sales proposal process, including accompanying other lenders and bank partners on customer and prospect calls and various other sales/customer‑oriented projects.
• Has direct knowledge of SBA products and programs with the ability to deliver solutions to clients and prospects.
• Establishes and maintains relationships with current and prospective clients; proactively identifies and recommends opportunities to cross‑sell additional loan and non‑credit products to clients.
• Works with clients to modify and/or restructure existing loans as needed.
• Helps resolve credit problems, delinquent payment issues, and other related affairs.
• Reviews current account status, including but not limited to past‑due accounts and notes matured, and makes appropriate recommendations.
• Monitors portfolio loan exposure by reviewing maturity reports, overdraft activity reports, past‑due reports, etc.
• Prepares portfolio and lending activity reports for management and loan committee as required.
• Participates in evaluating risk rating and makes revision recommendations.
• Demonstrates support and collaboration with credit administration to align current and prospective business with Potomac Bank’s credit culture.
• Other duties as assigned.

• Maintains a neat and orderly work area and ensures that all negotiables and confidential records are properly secured…