GGL Relationship Manager

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GOVERNMENT GUARANTEED LENDING GGL Full Time 2 Professional Seal Beach, CA, US

3 days ago Requisition

Salary Range: $ To $ Annually

Job Summary

The GGL Relationship Manager I is an SBA/Government Guaranteed lender-focused role responsible for supporting the growth and ongoing management of GGL relationships through proactive business development, underwriting support, effective loan structuring coordination, and disciplined portfolio management. This position works closely with the GGL Manager (GGLM) to develop, maintain, and expand existing client relationships, as well as originate new GGL relationships through referrals, centers of influence (COIs), and targeted prospecting.

The role does not include lending approval authority and operates within established credit policies and delegated authority limits.

The GGL Relationship Manager I supports end-to-end relationship coverage, including prospecting, client interviews and character assessment, financial analysis, underwriting support, credit positioning, transaction structuring, documentation coordination, closing support, and ongoing portfolio monitoring. The role requires a working knowledge of key GGL programs, including SBA 7(a), SBA 504, and State Guarantee programs, as well as commercial lending and CRE credit fundamentals. This includes an understanding of key credit metrics such as DSCR, LTV, Debt Yield, guarantor analysis, covenant structures, and recourse frameworks, along with the ability to clearly communicate transaction rationale and risk considerations to internal partners.

This is a lender-first position. The GGL Relationship Manager I is expected to identify and support opportunities to capture core operating deposits and related treasury management services that complement GGL lending relationships in partnership with internal deposit and treasury teams. The role collaborates across business lines to deliver comprehensive financial solutions that strengthen client relationships and support overall portfolio growth.

Key Responsibilities

Relationship Support / Business Development (In Partnership with GGLM)

• Partner closely with the GGL Manager (GGLM) to develop, manage, and execute GGL relationship coverage plans, including branch training and outreach events that promote awareness of GGL programs.
• Support business development efforts through networking, community involvement, cultivation of centers of influence (COIs), including attorneys, CPAs, CRE brokers, property managers, lenders, branch staff, and debt advisors, as well as referrals and targeted prospecting.
• Build and maintain a pipeline of qualified GGL opportunities and execute consistent follow-up activities.
• Participate in client discovery meetings to understand sponsor objectives, portfolio strategy, capital needs, timing considerations, and risk tolerance.
• Support the Bank's competitive positioning by assisting with product recommendations across construction, bridge, permanent, and revolving line-of-credit structures.
• Analyze borrower financial statements and guarantor strength, including global cash flow, liquidity, contingent liabilities, and sponsor experience and track record.
• Support underwriting of GGL transactions using key metrics such as DSCR, LTV, guarantor analysis, industry and market analysis and key eligibility requirements for SBA and State Guarantee programs.
• Evaluate collateral quality and market dynamics, including industry trends, liquidity, profitability and credit history.
• Ensure compliance with all established SOPs to ensure SBA guarantee and lender status is maintained with the U.S. Small Business Administration and State Guarantee programs.
• Support loan structuring with appropriate terms and risk mitigants, including covenants, reserves, guarantees, amortization, and recourse/non-recourse structures, consistent with SOPs, Bank policy and risk appetite.
• Prepare and support credit packages for Credit Administration, including financial spreads, documentation collection, and analytical support.
• Recommend approval or decline decisions to the GGLM and Credit Administration, or coordinate analyst review and recommendations, consistent with delegated authority levels.
• Support active management of the Government Guaranteed loan portfolio to ensure compliance with SBA, State Guarantee programs, Bank policy,…