Small Business Relationship Manager

Evaluate, authorize or recommend approval of commercial loans. Advise borrowers on financial status and methods of payments.

• Assist Department in developing relationships that are creditworthy, deposit rich and aligned with the Bank’s strategic goals.
• 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
• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Analyze applicant financial status, credit and property evaluations to determine feasibility of granting loans
• Originate and close new loans to existing customers and prospects consistent with the Bank’s loan policies and state and federal regulations
• Present new loan requests and other reports as necessary (i.e.: CARs, Loan Review Responses) to the appropriate approval authorities within the Bank
• Stay abreast of new types of loans and other financial services and products to better meet clients’ needs
• Submit applications to credit analysts for verification and recommendation
• Work with clients to identify their financial goals and to find ways of reaching those goals
• Work with Director to aid in resolving commercial loan application problems as necessary
• Manage and grow an existing commercial loan portfolio.
• Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management
• Quickly respond to customer and prospect inquiries and assist customers through the application process
• Work with the Bank’s residential and commercial real estate groups in referring new business
• Assist in the collection/work out activities with troubled/non-performing assets
• Represent the Bank at various community functions
• Participate on Bank task forces and committees as assigned
• Perform additional duties as requested, needed or assigned

• Extensive portfolio management, business development, risk management experience.
• Extensive knowledge of financial institution policies and procedures
• Strong knowledge of small business and SBA lending practices and related areas
• Strong Knowledge of all SBA Loan Programs including 7(a), Express and 504
• Knowledge of department support structures, resources and personnel
• Good sales, organizational, communication and public relations skills particularly in working with documentation that requires special handling
• Strong analytical and interpersonal skills
• Ability to build strong relationships and alliances across the organization, ability to adapt to change, ability to multi-task, reliable and highly self-motivated
• Superior customer service skills, exceed customers’ expectations
• Fluent written and verbal English communication skills
• 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)

• Bachelor’s degree in business, finance or related area
• Fifteen or more years’ experience in small business and SBA lending
• Educated in banking federal and state regulations and laws
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data

• Normal business office environment

Needham Bank offers a competitive salary and an amazing benefit package for a full-time employee which includes fully paid medical and dental insurance, HRA, 401(k) plan with an 8% bank match, paid time off (PTO), paid holidays, a bonus program, flexible spending accounts, vision service plan, group term life insurance, short-…