Loan Review Advisor

Guidehouse•San Antonio, DC

About The Position

The Loan Review Advisor supports the U.S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by conducting detailed reviews of 7(a) and 504 loan files as part of SBA lender oversight and risk management activities. Reviews may cover origination, servicing, liquidation, or targeted partial-review scopes, assessing compliance with SBA Loan Program Requirements under 13 CFR Part 120 and applicable SBA Standard Operating Procedures (SOPs). The advisor inventories and analyzes loan files, evaluates data from SBA systems and lender-provided documentation, identifies correctable and uncorrectable exceptions, and documents findings in structured work papers and loan file review reports. Under SBA direction, the advisor works with SBA Lenders to clarify documentation and resolve preliminary deficiencies when possible. The role also includes preparing clear written summaries and draft and final reports describing the condition, criteria, cause, effect, and corrective action for identified issues. The advisor uses a secure, web-based virtual data warehouse and workflow tracking system to manage reviews, maintain work papers, and support status reporting. The role requires adherence to quality, timeliness, documentation, and data-security standards, including protection of Personally Identifiable Information (PII) and confidential business information. Reviewers may support onsite or remote reviews, participate in quality assurance activities, and contribute to weekly, monthly, or ad hoc reporting for SBA. Travel is up to 10%.

Requirements

U.S. citizenship and ability to obtain and maintain an active federal Public Trust.
Bachelor's degree and at least four years of recent experience working with SBA 7(a) and/or 504 loans, such as as a third-party reviewer, examiner, auditor, underwriter, loan closer, or liquidation specialist; relevant experience may substitute for formal education or an advanced degree.
Demonstrated experience reviewing loan files for compliance, risk, and adherence to regulatory and program requirements.
Working knowledge of SBA Loan Program Requirements, including 13 CFR Parts 103 and 120 and SBA SOPs related to origination, servicing, liquidation, and lender oversight.
Strong analytical skills and ability to identify, document, and clearly explain loan file deficiencies and risks.
Experience preparing detailed work papers, loan file review reports, and written summaries supporting defensible conclusions.
Ability to communicate effectively with SBA personnel and SBA Lenders about compliance issues and requirements.
Strong attention to detail and organization, with the ability to manage multiple file reviews and meet delivery timelines.
Proficiency with document management systems, workflow tracking tools, and Microsoft Office applications, including Excel, Word, and PowerPoint.

Nice To Haves

Direct experience supporting SBA OCRM oversight activities, including risk-based reviews, examinations, audits, or increased supervision.
Experience performing servicing or liquidation reviews, including eligibility and disbursement testing.
Familiarity with quality assurance reviews, forensic reviews, or reviews related to fraud, waste, and abuse.
Experience with virtual data warehouses, customer relationship management (CRM) systems, or management workflow systems (MWS).
Experience supporting federal financial regulatory or oversight programs beyond SBA.
Willingness and ability to support limited onsite reviews at SBA headquarters, SBA field offices, or SBA Lender locations, as required.
Ability to review loan files containing documentation in Spanish.

Responsibilities

Review SBA 7(a) and 504 loan files across origination, servicing, liquidation, and targeted partial-review scopes for compliance with program requirements and SOPs.
Inventory and analyze loan files and evaluate data from SBA data systems and lender-provided documentation.
Identify and document compliance issues, deficiencies, risks, and correctable or uncorrectable exceptions.
Work with SBA Lenders, under SBA direction, to clarify documentation and resolve preliminary deficiencies when possible.
Prepare detailed work papers, written summaries, and draft and final loan file review reports, including the condition, criteria, cause, effect, and corrective action for identified issues.
Use a secure virtual data warehouse and workflow tracking system to manage reviews, maintain work papers, and support status reporting.
Follow quality, timeliness, documentation, and data-security standards, protecting PII and confidential business information.
Support onsite or remote reviews, participate in quality assurance activities, and contribute to weekly, monthly, or ad hoc reporting for SBA.