SBA Portfolio Manager I

FIRST INTERNET BANK • Fishers, IN

5d • Remote

About The Position

As the Small Business Administration (SBA) Portfolio Manager I, you will service existing loans, conduct/underwrite annual reviews, and respond to servicing action requests from both internal and external customers. You will also monitor the overall health of the portfolio by assessing credit risk within the individual loan files and recommend the appropriate grade/action accordingly. Your primary goal is to identify, assess, and mitigate risk to protect the Bank's SBA guarantee.

Requirements

• A minimum of two years of direct experience in a commercial lending portfolio management setting, preferably in SBA lending
• A general knowledge of the SBA SOP's 50 57 and actions as outlined in the 7a Servicing and Liquidation Actions is preferred
• Ability to multi-task and manage a multi loan volume pipeline
• A general knowledge and skill set in MS Office (Word, Excel, Office, etc.), Skype, and Zoom. Experience in Loan platform systems of E-Tran, nCino and PCFS is also preferred.

Responsibilities

• Assist in the monitoring of the past due report to identify and alleviate payment issues within the first 15 days of delinquency, and recommend mitigation to help the credit remain paid as agreed
• Assist in collection of pertinent information needed to underwrite basic servicing actions, to include requests for modifications to the original terms of the loan, or the replacement/release of collateral; and recommend a course of action that fits within Bank policies and procedures and is in accordance with SBA SOP 50 57
• Assist in the collection of financial documentation required to assess the ongoing creditworthiness of the portfolio
• Analyze available annual and quarterly financials from borrowers within the SBA Portfolio to ensure an accurate risk assessment is applied to each borrower during the renewal and annual review process
• Analyze global cash flow for existing SBF borrowers and guarantors to identify their financial condition, profitability, repayment ability, operating trends, and determine if there are any financial indicators that point to current or potential stress within the business or guarantor's financial situation
• Process servicing requests of a less complex nature, with risk ratings of Acceptable or better
• Provide daily exceptional customer service to both internal and external customers
• Recommend and model appropriate loan structure for new and existing loan relationships
• Ensure customer records are maintained and updated in the core platforms including PCFS solutions, “Loan Manager”; nCino, and other banking platforms as required
• Maintain Financial Review Status log, Servicing action log, and Financial Statement Checklists that serve as financial ticklers
• Keep up-to-date on Bank policies, SBA policies, laws and regulations that govern commercial lending
• Cross-train and assist Loan Servicing department as needed
• Perform other duties as assigned

Benefits

• Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment
• 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment
• Professional Development Reimbursement
• At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date
• Eleven Paid Holidays
• Paid Volunteer Time
• Annual First Internet Bank-branded merchandise allowance

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed
• Number of Employees: 251-500 employees