Senior Small Business Relationship Manager

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

ESSENTIAL DUTIES & RESPONSIBILITIES

• Generate, develop and maintain large portfolio of small business relationships.
• Develop relationships that are creditworthy, deposit rich and aligned with the Bank's strategic goals.
• 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 through a formal deal screen.
• 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.
• Confer with team leader to aid in resolving commercial loan application problems as necessary.
• Manage and grow an existing and active Small Business loan portfolio through annual reviews.
• Cross-sell other bank products including: deposit products, cash management, merchant services and wealth management.
• Quickly respond to customer and prospect inquiries.
• Work with the Bank's residential group 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.

JOB REQUIREMENTS

• Experience in credit underwriting or analysis with a strong ability to conduct financial statement analysis.
• 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), 504, Express.
• 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).

EDUCATION & EXPERIENCE

• Bachelor's degree in business, finance or related area
• Ten 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

WORKING CONDITIONS/PHYSICAL DEMANDS

• 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 and long term disability insurance, tuition reimbursement, and an Employee Assistance Program. We offer a great benefit package to our eligible part-time employees as well.

At NB, we are dedicated to building a diverse, inclusive and authentic workplace - if you are excited about this role, but your past experience doesn't align perfectly with every qualification in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles.

Needham Bank is an Equal Opportunity/Affirmative Action Employer. Needham Bank will provide all applicants for employment and all employees with equal opportunity for employment and promotion regardless of race, color, religion, gender, national origin or ancestry, age, disability, veteran status, military service, sexual orientation, genetic information, or gender identity.