Description

Take a leap and join our team!

At Gesa, we believe in the power of our people. Coming from all walks of life, our team members’ individual stories and unique experiences are our most valuable asset. But it’s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.

Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.

Get to know us:  About - Gesa Credit Union

Role Summary:

The SBA Sales Manager/Team Leader is responsible for driving the growth and profitability of the SBA loan portfolio. The role requires a dynamic and results oriented leader who will collaborate closely with retail branches and SBA sales team to generate SBA loan opportunities, deposits and treasury management referrals, ensuring alignment with the credit unions strategic objections. The SBA Sales Manager will also leverage their established referral network to bring in new SBA loans, deposits and treasury management referrals enhancing the credit unions market presence. Key responsibilities include developing and executing sales strategies, mentoring SBA Relationship Managers and SBA Associate Lenders and maintaining strong relationship with external partners to maximize loan production. This position will need to possess deep knowledge of SBA lending programs, a proven personal record in business development, and the ability to cultivate strong relationships with clients and internal stakeholders. This role demands a proactive approach to market trends, ensuring Gesa Credit Union remains competitive in the SBA lending space.

What You Will Be Doing:

1. Perform assigned duties in accordance with Gesa Credit Union and the SBA’s mission, vision, and core values; and provide the members with timely, responsive, and exceptional service in accordance with the credit union’s customer service standards
2. Be the primary manager for SBA sales team including coaching, training, annual performance reviews, sales performance management, one-on-ones and more.
3. Responsible for the personal annual production of $12 million or more, in government guaranteed SBA 7(A) loans. The typical mix of deals is 75% 7a and 25% 504 deals. Other goals for business deposits and treasury management services will also be required.
4. Advanced understanding of the SBA Standard Operating Procedures (SOP’s), including origination, servicing, and liquidation.
5. Actively maintain business development plans and strategies to prospect new SBA business lending, deposit, and treasury management relationships.  
6. Serve as a liaison between branches and commercial loan officers to respond to referrals for new SBA business.
7. Serve as a coach/mentor to SBA Department staff and other credit union staff members.
8. Coordinate sales activities for the SBA division.
9. Handle and resolve customer complaints regarding a product or service
10. Assist in setting SBA team sales quotas/goals and directing performance in the sales team.
11. Assess applicants’ business needs, recommend suitable bank products and services, and support their business growth and success. Process credit applications by interviewing loan applicants, reviewing credit histories and financial information, analyzing credit reports, and evaluating existing and projected company cash flow to assess creditworthiness.
12. Determine value of collateral, through review of appraisal, valuations, business financials, etc.
13. Respond to inquiries regarding business and consumer lending and other credit union products.
14. Recommend approval or decline of credit applications within credit union and SBA Criteria.
15. Monitor loans through periodic reviews and documentation in conjunction with SBA Underwriter and/or Portfolio Management as requested.
16. Perform site inspections as required under credit union and/or SBA guidelines.
17. Review maturing loans, loan extensions, and construction draws.
18. Collect past due accounts and/or support SBA Lending Manager in the collection of accounts.
19. Properly maintain credit files including file memos updating the status of the client relationship.
20. Maintain knowledge of and promote all credit union products and services with active referrals to credit union partners.
21. Provide exceptional, timely, and responsive customer service to both internal and external members/teams.
22. Maintain knowledge of SBA lending programs to facilitate and service all SBA loan programs. 
23. Always present a professional demeanor and image to internal and external members.  They will have the ability to present informative proposals that add value to business members.  This includes keeping abreast of national and local economic news. 
24. Provide recommendations for internal processes of the SBA Division.
25. Respond to company representatives’ inquiries in a timely, friendly, and accurate manner.
26. Maintain knowledge of laws, rules, regulations, policies, and procedures which impact assigned responsibilities.
27. Consistently display successful communication and listening skills with peers, members, Supervisor, and vendors.
28. Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.

About You:

1. Demonstrate the ability to drive business growth through strategic relationship building, client needs assessment and tailored financial solutions.
2. Thorough knowledge of credit services and other credit union services, lending policies and procedures, and business cash flow.
3. Proficient computer skills with collaboration and productivity tools including Windows-based operating systems and office suites (Microsoft Word, Outlook, Excel, PowerPoint); spreadsheet applications to organize data used for advanced data analysis; internet; email; and bank software.
4. Effective oral and written communication skills
5. Ability to understand small business relationships and provide options that will meet their needs.
6. Ability to converse with business owners in a professional manner.  
7. Ability to achieve a high sales level in business development and cross sales. 
8. Ability to organize, prioritize and respond simultaneously to multiple tasks and requests.
9. Ability to work well in and contribute to a cohesive team environment.
10. Display and maintain courtesy, tact and diplomacy with current and potential vendors, peers, and staff.
11. Ability to interpret advanced financial statements and credit analysis.
12. Ability to assist leadership in training of new department staff.

Leadership Core Competencies:

Leaders at Gesa Credit Union are lifelong learners who, by developing themselves, are better able to grow our team members and our organization as well as serve as influential role models for each other.  We believe that every team leader, no matter their position or years of experience, must model and continue to strengthen these competencies which are foundational to our view of leadership and support the achievement of our strategic goals.

• Leading Others
• Developing Others
• Emotional Intelligence
• Social Responsibility
• Performance & Results Orientation

Qualifications

What You Will Need:

1. Six (6) years of commercial lending relationship management with an emphasis on SBA lending.
2. Bachelor’s degree in accounting, finance, or general business preferred.
3. High School diploma or GED required.
4. Treasury Management training preferred but not required.
5. General understanding of credit union and/or banking services and products.
6. Some travel is required to develop markets, attend credit union training, attend SBA specific training, and fulfill duties.

Our Team Member Value Proposition:

In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:

• Competitive Pay
• Medical, Dental, Vision, and Life Insurance
• 20 days/year of Paid Time Off – Plus 10 Paid Holidays!
• 401(k) Match
• Incentive Program
• Tuition Assistance and Student Loan Repayment
• Commuter Benefits
• Paid Time Off to Volunteer in the Community
• Product discounts
• Engaging Work Environment
• Rewards and Recognition Programs

Salary Range:

$139,271.96 - $208,907.94

Get wise to what’s possible with a career at Gesa. Join us!

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.

Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.

Selected candidate(s) must be able to pass a pre-employment credit/background check.

Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.

Equal Employment Opportunity (gesa.com)

Salary : $139,272 - $208,908