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!

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.

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

• 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 coworkers and customers
• Must be well-organized, accurate, and attentive to detail
• Must be cooperative and willing to assist coworkers and customers on a regular basis
• Must have effective listening skills demonstrated by the ability to listen to others talk (without interruption), understand them, and then propose solutions or make contributions based on the points made by others
• Must possess excellent multi-tasking skills and be able to function well under pressure
• Must be able to remain composed under pressure and respond to customer and coworker concerns regularly
• Must have a keen eye for detail and follow instructions to the letter
• Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times

• Must be able to remain seated or work standing in a confined area on a computer for a minimum of four (4) hours each workday
• Must be able to constantly use hands and fingers to enter data through or on a computer or answer a phone throughout most of an eight (8) hour shift
• Must be able to walk frequently throughout the day
• Must be able to hear and communicate with coworkers and customers throughout the day
• May need to lift up to 25 pounds one to two times a day to perform job

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Position may require regular before/after normal business hours, or regular out-of-town travel.

• Must be able to function in a professional, business office environment and act and dress appropriately for same, consistent with the Bank's grooming and dress codes
• Must demonstrate excellent interpersonal skills with customers and coworkers
• Must be willing to function as a team member
• Must be willing to demonstrate commitment to SouthState Bank's mission and goals

• Bachelor's Degree in Business, Finance or equivalent work experience in related field
• 1-3 years of previous government lending experience in a bank setting
• Will provide SBA loans in compliance with the SouthState Bank and SBA 7a small loan program policies and procedures
• Requires knowledge of office practices, procedures and general office machines
• Must be able to prepare documents and compose business letters and memorandums
• Must be able to maintain confidentiality of customer and employee information
• Must be a self-starter and able to work independently
• Requires a strong sense of urgency, initiative, and drive to complete tasks correctly, with emphasis on working with and through people in the process
• Must be able to work at a faster than average pace and able to multi-task
• Must have good knowledge of business English, spelling and punctuation
• Must possess basic language skills to write and speak clearly, effectively, and appropriate to business standards
• Must be able to make sound decisions, have the ability to recognize potential problems, and take corrective action
• Must be professional in appearance
• Regular attendance in necessary
• Be a team player in recommending and referring additional products and services to other lines of business within the company

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed above are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

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Equal Opportunity Employer, including disabled/veterans.