SBA Portfolio Manager
About The Position
The SBA Portfolio Manager independently manages and services an assigned portfolio of loans. The role evaluates servicing actions against SBA SOP guidelines, federal regulations, and bank policy; reviews repayment and collateral information; and recommends and documents appropriate actions to collect, resolve, secure, or dispose of debts. The position also handles member inquiries and requests, tracks incoming work, prepares deferments and monthly status reports, and contributes to organizational projects and process improvements. The role must follow applicable federal laws, rules, and regulations, including those related to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA).
Requirements
- Bachelor’s degree in business administration or a related field, or equivalent banking experience.
- 3–5 years of servicing or underwriting experience.
- Knowledge of SBA standard operating procedures.
- Working knowledge of industry regulations and legislative guidelines.
- Comprehensive understanding of SBA lending, operations activities, products, and services.
- Ability to resolve issues, work independently, and meet deadlines.
- Basic knowledge of bank administration, lending and operations products and services, related state and federal laws and regulations, and bank operational policies and procedures.
- Excellent verbal and written communication skills.
- Proficiency in Microsoft Office Suite or related software.
- Excellent organizational skills and attention to detail.
- Excellent analytical and management skills.
- Excellent interpersonal skills.
Nice To Haves
- Servicing or underwriting experience with SBA loans.
- Experience with Jack Henry, E-Tran, and the Capital Access Financial System.
Responsibilities
- Independently manage and service an assigned portfolio of loans.
- Determine appropriate actions permitted under SBA SOP guidelines, federal regulations, and the Bank’s SBA policy.
- Elevate loans up to 60 days where debt will not be recouped to the appropriate internal business unit.
- Handle member service telephone calls and inquiries.
- Log, assign, and track received requests.
- Review credit reports and other documents affecting repayment ability or payment of the SBA loan guarantee.
- Prepare and submit deferments for review and approval.
- Retrieve credit files.
- Use decision-making authority and operational controls to minimize organizational risk.
- Contribute to organizational projects and improvement initiatives.
- Reconcile misapplied payments.
- Ensure mitigation strategies are used to collect and resolve debts.
- Prepare monthly status reports.
- Thoroughly review loan collateral and recommend appropriate actions to secure or dispose of it.
- Document servicing files with recommendations.
- Complete member requests such as multi-funding, excluding construction.
- Adhere to applicable federal laws, rules, and regulations, including AML and BSA requirements.
- Perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
