SBA Small Business Relationship Manager

Vineyard
622 North Mill Road
Vineyard, UT 84059, USA

The SBA/Small Business Relationship Manager serves a dual role as both a business development officer and branch leader. This position is responsible for developing, cultivating, and managing relationships with small business members while providing leadership and oversight of branch operations. The role drives SBA and small business loan growth, business deposit acquisition, and business member engagement while ensuring an exceptional branch experience and operational excellence.

This individual serves as a trusted advisor to business members, helping them improve their financial strength through lending, deposit, treasury management, and advisory solutions. The SBA/Small Business Relationship Manager embodies UCCU's values by uncovering member needs, owning outcomes, making and keeping commitments, and delivering service that exceeds expectations.

Business Development & Relationship Management

• Develop, manage, and grow a portfolio of SBA and small business lending relationships.
• Originate and manage SBA 7(a), Express, and other small business lending opportunities in accordance with UCCU policy and SBA guidelines.
• Identify opportunities for deposit growth, treasury management services, merchant services, and other business-related products.
• Meet with prospective and existing business members to understand financial needs and recommend appropriate solutions.
• Build referral relationships with accountants, attorneys, business brokers, chambers of commerce, community organizations, and other centers of influence.
• Conduct business development activities within the community to increase UCCU's market presence and business membership growth.
• Provide financial education and business guidance that positions UCCU as a trusted financial partner.

Business Lending Responsibilities

• Interview applicants and gather financial information, tax returns, business plans, and supporting documentation.
• Analyze loan requests and prepare credit presentations for underwriting and approval.
• Structure loan solutions that appropriately balance member needs with credit quality and risk management expectations.
• Monitor existing relationships and proactively identify opportunities for portfolio growth or risk mitigation.
• Maintain knowledge of SBA programs, regulatory requirements, and industry best practices.
• Assist with collections, renewals, annual reviews, and portfolio maintenance activities as required.

Branch Leadership & Operations

• Lead the daily operations of an assigned branch location.
• Ensure branch staff deliver a consistently exceptional member experience.
• Coach, develop, and motivate team members to achieve branch performance goals.
• Drive branch production in deposits, lending, member growth, and service metrics.
• Ensure operational compliance with Credit Union policies, procedures, security, and regulatory requirements.
• Foster a culture of accountability, collaboration, continuous improvement, and member advocacy.
• Monitor branch performance and implement strategies to improve efficiency and effectiveness.

Living UCCU's Values

• Own outcomes by proactively identifying member needs and taking responsibility for delivering solutions.
• Act with honesty, integrity, and fiscal responsibility in every member interaction and business decision.
• Demonstrate respect for members, employees, and community partners.
• Invest in the growth and development of team members through coaching and mentorship.
• Build trusted relationships that strengthen members, businesses, and communities.
• Deliver on commitments and consistently exceed expectations.
• Partner closely with Credit Administration, Business Lending, Branch Operations, Marketing, and Member Experience teams.
• Maintain effective communication with senior leadership regarding portfolio performance, business development opportunities, and branch results.
• Participate in committees, meetings, community events, and strategic initiatives as required.
  
  Complete reports, records, and documentation accurately and timely.

Education

Bachelor's degree in Finance, Business Administration, Accounting, Economics, or related field; or equivalent combination of education and experience.

Experience

• Minimum of three to five years of progressive experience in business lending, SBA lending, commercial lending, retail banking, credit union operations, or related financial services.
• Experience developing business relationships and generating loan production.
• Leadership or…