SBA Eligibility Review Officer III

Huntington National Bank•Columbus, OH

2d•Onsite

About The Position

The SBA Eligibility Review Officer III reviews SBA- and USDA-guaranteed business loans to determine appropriate structure and ensure loans close in accordance with applicable eligibility requirements. The role serves as a subject matter expert in SBA servicing procedures and consults with sales, underwriting, closing, and other colleagues on government-guaranteed loan programs. The officer manages an individual pipeline, typically involving loans of advanced complexity and customer exposure up to $5 million. The position assesses borrower, co-borrower, and guarantor eligibility and reviews transaction materials and credit approval conditions to help ensure the SBA guarantee can be enforced and maintained. It also supports servicing and workout activity, loan reporting, and training for colleagues. The position is classified as exempt. The stated workplace type is office, though certain positions outside the branch network may be eligible for flexible arrangements; specific work arrangements are provided by the hiring team.

Requirements

Bachelor’s degree and 5 years of HNB SBA/USDA lending or due-diligence experience, or a minimum of 7 years of direct SBA/USDA lending or due-diligence experience.
Ability to clearly document and communicate eligibility conditions for closing in accordance with SBA Standard Operating Procedures.
Ability to work in a fast-paced production environment.
Strong organizational skills, attention to detail, and ability to multitask.
Professional, confident, and assertive communication and interaction with people at all organizational levels.
Excellent verbal and written communication skills to provide effective service to internal and external customers.
Excellent analytical skills and ability to write concisely and logically to document transaction risks and mitigants.

Nice To Haves

Bachelor’s degree in Finance, Accounting, Business, or Economics.
Knowledge of SBA Standard Operating Procedures (SOP).
Knowledge of SBA/USDA loan programs.
TSoft and SBA Etran experience.
Excellent PC skills, including Excel, Word, Outlook, AFS, and Velocity.

Responsibilities

Serve as a subject matter expert in SBA servicing procedures and consult with sales, underwriting, and closing colleagues on government-guaranteed loan programs.
Maintain an individual pipeline of loans, typically involving advanced complexity and customer exposure up to $5 million.
Assess the eligibility of borrowers, co-borrowers, and guarantors to help ensure the SBA guarantee can be enforced.
Work with internal SBA Sales and Operations colleagues to understand credit requests, obtain eligibility information, and communicate eligibility decisions and reasoning.
Review use of proceeds, order SBA numbers, prepare SBA Loan Authorizations and other SBA forms, and ensure loans meet SBA and USDA requirements.
Review reports and other information to determine whether the terms and conditions of SBA credit approvals will be met, including reviewing franchise agreements, purchase agreements, bank notes, and business plans.
Research and resolve complex servicing questions from the SBA and internal personnel to help maintain the guaranty.
Advise Financial Recovery Group colleagues, as requested, on working out, liquidating, and litigating SBA loans.
Submit final wrap-up reports to the SBA after resolutions, when required.
Serve as a main point of contact for commercial loan servicing colleagues on proper accounting and reporting of SBA loans, including the 1502 Report.
Train and mentor new hires and support the SBA ERO I and SBA ERO II job families.
Perform other tasks as needed to support the line of business and job family, including other duties as assigned.