SBA Associate

Overview

Responsible for working directly with the Business Banking team and SBA sales and support teams, internal colleagues and clients on a daily basis in handling all areas of operations processes, business loans and SBA loans originations, sales pipeline management, and supporting business banking leadership and SBA leadership in administrative tasks. Expert in providing exemplary colleague and client service and assisting colleagues with any business banking needs.

Actively engages in completing all loan originations to ensure inquiries and issues are resolved, analyzes operational needs for enhancement opportunities, and provides accurate and timely responses to colleagues and clients to retain existing profitable clients and deliver a positive colleague experience with SBA. Capable of opening new accounts, conversant in most product capabilities and recommendations, and contributes to PBB, Business Banking and SBA in meeting sales and service objectives.

• Acts as a champion for clients and colleagues, providing exemplary service and partnering with CNB colleagues across all divisions to support client retention objectives and proactively promotes solutions appropriate to clients.
• Supports sales colleagues to build and maintain PBB, Business Banking and SBA client relationships, delivering solutions to maintain and grow client relationships and recognizing cross‑selling opportunities to maximize profitability.
• Interacts in an effective and professional manner with all levels of bank personnel, corporate and bank clients, demonstrating commitment to quality client service.
• Ensures decisions are consistent with all bank policies and procedures, regulations, and that associated risk is effectively managed.
• Maintains collaboration with the Small Business Credit (SBC) PBB Credit, Admin support, CLO and sales partners.
• Complies fully with all bank operational and credit policies and procedures as well as all regulatory requirements (Bank Secrecy Act, Know Your Customer, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.).

• Sales Team Support:
  • Ensure loan application packages are complete and accurate prior to loan submission to credit.
  • Enter and submit SBA loan applications through nCino, tracking milestones and ensuring timely progression.
  • Support pre and post‑approval loan activity, coordinating with underwriting, loan administration and closing teams.
  • Collaborate directly with SBA Loan Administrators to facilitate a smooth post‑approval process and deliver timely loan funding.
  • Monitor and manage pipeline activity to help the team meet key performance targets.
  • Assist with scheduling, preparing client‑facing documents and other administrative needs to support sales efforts.
  • Provide proactive communication updates to team members on deal status and outstanding items.
  • Continuously identify and recommend process improvements to streamline the SBA lending process.
• Administrative Tasks:
  • Process loan originations.
  • Centralized coordinator for CNB sales partners alongside SBA Credit, Loan Administration and CLO.
• SBA Loan Processing:
  • 3rd party reports.
  • Escrow and title.
  • Payoff demands.
  • Insurance.
• SBA Required Items:
  • Management support, including sales pipeline conciliation and ongoing management, scorecard tracking support.
• Operations Management: ongoing development of deals processing.
• CRA Tracking: ongoing leadership, training and liaison across the BBRA and related job families; responsible for keeping up to date with SBA SOP updates and changes.
• Onboarding new colleagues for Business Banking and SBA:
  • Assists the Client Officer/Client Manager in coordinating branch operations workflow to ensure exemplary client service and adherence to established policies and procedures.
  • Provides assistance in various positions within every area of the branch operations, including new accounts.
  • Can handle more complex issues.
  • At this level, colleagues have and are further developing branch operations knowledge such as regulations, bank policies and practices.
  • May train and provide guidance to less experienced associates.
  • Typically operates in a moderate to high volume transaction office.