Loan Review Senior Consultant
About The Position
The Loan Review Senior Consultant will support the U.S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by performing detailed reviews of 7(a) and 504 loan files as part of SBA’s lender oversight and risk management activities. The role involves reviewing loan files across origination, servicing, liquidation, and targeted partial review scopes to assess compliance with SBA Loan Program Requirements as defined in 13 CFR Part 120 and applicable SBA Standard Operating Procedures (SOPs). The reviewer will analyze loan documentation, identify compliance issues or deficiencies, and document findings in structured work papers and loan file review reports. The Loan Review Senior Consultant will inventory and analyze loan files, extract and evaluate data from SBA data systems and lender-provided documentation, and identify correctable and uncorrectable exceptions. The role includes working directly with SBA Lenders, under SBA direction, to clarify documentation, resolve preliminary deficiencies when possible, and ensure lenders understand identified risks and requirements. Reviewers will prepare clear, well-supported written summaries and draft and final loan file review reports that outline condition, criteria, cause, effect, and corrective action for identified issues. The Loan Review Senior Consultant will use a secure, web-based virtual data warehouse and workflow tracking system to manage file reviews, maintain work papers, and support status reporting. The role requires adherence to strict quality, timeliness, documentation, and data security standards, including the 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 provided to SBA.
Requirements
- U.S. Citizenship and ability to obtain and maintain a federal Public Trust.
- Bachelor's degree and Minimum of three (3) years of recent experience working with SBA 7(a) and/or 504 loans (e.g., as a third-party reviewer, examiner, auditor, underwriter, loan closer, or liquidation specialist); OR seven (7) years of relevant experience in lieu of 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 with the ability to identify, document, and clearly explain loan file deficiencies and risks.
- Experience preparing detailed work papers, loan file review reports, and written summaries that support defensible conclusions.
- Ability to communicate effectively with SBA personnel and SBA Lenders, including explaining compliance issues and requirements.
- Strong attention to detail, organization, and ability to manage multiple file reviews simultaneously while meeting delivery timelines.
- Proficiency with document management systems, workflow tracking tools, and standard Microsoft Office applications (Excel, Word, PowerPoint).
Nice To Haves
- Direct experience supporting SBA Office of Credit Risk Management (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 working 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 on-site reviews at SBA headquarters, SBA field offices, or SBA Lender locations, as required.
- Ability to review loan files containing documentation in Spanish.
Responsibilities
- Perform detailed reviews of 7(a) and 504 loan files for SBA's Office of Credit Risk Management (OCRM).
- Assess compliance with SBA Loan Program Requirements (13 CFR Part 120) and SOPs.
- Analyze loan documentation to identify compliance issues and deficiencies.
- Document findings in work papers and loan file review reports.
- Inventory and analyze loan files, extracting and evaluating data from SBA systems and lender documentation.
- Identify correctable and uncorrectable exceptions.
- Work with SBA Lenders to clarify documentation and resolve deficiencies.
- Prepare written summaries and draft/final loan file review reports.
- Utilize a secure, web-based virtual data warehouse and workflow tracking system.
- Adhere to quality, timeliness, documentation, and data security standards, including PII protection.
- Support onsite or remote reviews.
- Participate in quality assurance activities.
- Contribute to reporting provided to SBA.
Benefits
- Medical, Rx, Dental & Vision Insurance
- Personal and Family Sick Time & Company Paid Holidays
- Parental Leave and Adoption Assistance
- 401(k) Retirement Plan
- Basic Life & Supplemental Life
- Health Savings Account, Dental/Vision & Dependent Care Flexible Spending Accounts
- Short-Term & Long-Term Disability
- Student Loan PayDown
- Tuition Reimbursement, Personal Development & Learning Opportunities
- Skills Development & Certifications
- Employee Referral Program
- Corporate Sponsored Events & Community Outreach
- Emergency Back-Up Childcare Program
- Mobility Stipend
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What This Job Offers
Job Type
Full-time
Career Level
Senior
