Job Title: Business Banking Manager
Department: Small Business Lending
Reports To: Senior Lending Officer
FLSA Status: Exempt
Salary Grade: 24
Starting Range: $88,418.00 - $109,222.00 Depending on Experience
- Our starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
Are you a motivated high performing individual who has strong people and organizational skills? Do you have a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional to supervise our Business Bankers and Deposit Relationship Specialist in the Small Business Lending Department. The Business Banking Manager provides support and guidance to their team while also developing and managing a portfolio of borrowers in order to effectively reach individual and Bank goals. This role involves assessing and mitigating risk and being proactive in establishing new small business relationships within our communities. The Business Banking Manager works extensively with the community, small business owners, the Senior Lending Officer, the Chief Credit Officer, and the Credit Administration Team.
The ideal candidate has at least five years’ experience in banking, preferably focused on Small Business Lending. A successful person in this role is goal-oriented; skilled at building strong collaborative relationships; enjoys coaching others to reach their full potential; has strong organizational and time management skills; and thrives in a dynamic, evolving work environment. Savings Bank is excited to add to our team of individuals seeking to fulfill the Bank’s vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees, and shareholders.
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Fosters a culture where employees work together to Model the Way, Inspire a Shared Vision, Challenge the Process, Enable Others to Act and Encourage the Heart.
2. Drives a superior customer experience across all channels, analyzing service metrics, and ensuring Customer Service Standards meet or exceed expectations.
3. Models and upholds the Bank’s Principles and Professional Standards.
4. Recruits, manages and develops staff in areas of responsibility, writes performance evaluations, and provides appropriate training, development and coaching as needed.
5. Maintains comprehensive knowledge of operations, technologies, delivery channels and the full suite of business products and services.
6. Manages high-value customer relationships with a personalized, proactive approach, consistently going above and beyond.
7. Sets loan portfolio growth goals for the small business loan portfolio based on the Board approved budget each year.
8. Partners with the Senior Lending Officer to develop and streamline the process of approving and funding small business loans.
9. Works closely with the Deposit Relationship Specialist to identify prospects for development and expansion of full depository relationships for commercial clients.
10. Collaborates with Retail Banking and branch personnel to ensure branch referrals are encouraged and promptly reviewed when submitted.
11. Manages risk and minimize losses by actively monitoring the small business loan portfolio.
12. Ensures credit recommendations are appropriately structured in terms of rate, amortization, repayment and collateral prior to submission for approval.
13. Cooperates with and complete assignments associated with internal and external audits in a timely manner.
14. Represents the Bank in community events and initiatives that strengthen customer relationships, enhance the Bank’s presence and support business growth.
15. Other duties as assigned.
- High School Diploma or General Education Degree (GED)
- Five years’ experience and/or training in small business or commercial lending
- Two years’ supervisory experience
- Experience managing a dedicated book of business customers
- The ability to register as a Mortgage Loan Originator through the Nationwide Mortgage Licensing System
- An acceptable credit history
- A Bachelor’s or Associate degree in a related field
- Credit analysis and underwriting experience
- Experience with Customer Relationship Management software
- English/Spanish bilingual skills
- Customer Focus: Ensures customer service excellence to internal and external customers; addressing long-term customer needs and identifying approaches to meet those needs.
- Fostering Communication: Communicates complex and sensitive information with clarity and credibility to drive understanding, alignment and execution of operational and strategic initiatives.
- Teamwork: Builds and maintains a high-performing team environment by aligning team and individual responsibilities; facilitating constructive dialogue, reinforcing shared goals and ensuring team efforts remain focused on priority objectives and growth outcomes.
- Achievement Orientation: Sets performance targets, monitors progress and nurtures a results-driven culture that empowers staff to identify, implement and sustain improvements that deliver measurable results.
- Ensuring Accountability: Holds self and other leaders accountable for results and reinforces a culture of ownership where responsibility is expected and achievements are consistently recognized, rewarded and celebrated.
- Leading Change: Clearly articulates the need for change, engages team members in planning and execution, addresses resistance and recognizes contributions that support successful implementation.
- Career Development & Coaching: Identifies skill gaps, provides ongoing coaching and feedback to support high performance, advances career development pathways and promotes a culture of continuous learning and development.
- Competitive, market-based pay
- Comprehensive insurance benefits package including medical, dental, vision and more
- 401(k) plan with maximum 6% employer match
- Profit Sharing plan
- Generous paid time off plans
- Employee Health and Wellness program
- Community volunteer opportunities
- Career development and training opportunities
Savings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.
The physical and mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position is set in a quiet, office environment. The position is generally regarded as light work. Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with arms, talk or hear and use hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving may be required.
Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.
A post-offer physical is not required for this position.
