SBA Small Loan Relationship Manager - McKinney, TX

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

BASIC PURPOSE:

This position is responsible for, but not limited to, partnering with bankers in assigned markets to identify, foster and grow small business relationships that benefit from enhancements offered by U.S. Small Business Administration (SBA) loan products, as defined by the SBA and the Bank. Incumbents are expected to meet or exceed production goals, which are set annually by the Bank.

ESSENTIAL FUNCTIONS:

This position is expected to perform the specific duties, tasks, and responsibilities as outlined below:

• Evaluate and structure small business loan requests in accordance with SBA Guidelines and SouthState Bank’s credit policies
• Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request
• Establishes and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements with clients
• Guide Clients through the SBA loan process, including eligibility determination, documentation and closing requirements
• Discuss and review loan applications with credit underwriters
• Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant’s business and/or collateral, review of interim financial reports, personal interview, and other means
• Completes spreads to verify cash flow and debt service coverage ratio requirements for prospective clients
• Develops and maintain new business relationships with small business owners, referral partners, and internal banking teams to generate SBA loan opportunities
• Keeps abreast of local and national economic, financial, political, and legislative
• Monitors loan repayment activities and take necessary action to collect from past-due accounts
• Keeps abreast of local and national economic, financial, political, and legislative events and climates which could have an impact on corporate and commercial lending activities
• Keeps abreast of SBA loan program regulation, and assures adherence to said regulations
• Participates in community affairs to increase the bank’s visibility and to enhance new business opportunities
• Maintains professional and community relations to increase the bank’s visibility and new business opportunities, and to further personal development
• Assists the conventional Relationship Managers, Small Business Bankers, or other Bank employees on SBA lending, with the expectation that the SBA Small Loan Relationship Manager will work hand in hand with bank employees to assess and process any internal loan referrals

• Ensure that the Bank’s policies and procedures, code of conduct, and regulatory guidelines are strictly complied with
• Provide assistance to other employees by liaising with them through healthy and positive interactions and one-on-one conversations.
• Participate in other LOB’s weekly meeting calls to discuss the SBA 7(a) Small Loan program
• Be involved in performing marketing endeavors/efforts
• Seek opportunities to improve skills through cross-training offered by the Bank

• Collaborate with credit underwriting, operations, and closing teams to ensure timely and efficient loan processing.
• All other tasks, responsibilities or duties, as directed by management

OTHER SKILLS/QUALIFICATIONS:

• Must have strong communication skills characterized by excellent writing and speaking skills
• Proficient with general office machines and programs to include Microsoft Office Word, Excel, Outlook, and other software that might be utilized in the department
• Ability to use the computer efficiently and the capacity to learn new software programs as they are rolled out by the Bank
• Must have good knowledge of business English, including spelling and punctuation
• Must possess basic English language skills in order to write and speak clearly, and effectively with