SBA Portfolio Manager

Towne Family of Companies•Charlotte, NC

About The Position

The SBA Portfolio Manager independently manages and services an assigned portfolio of loans, determining appropriate actions under SBA SOP guidelines, federal regulations, and the Bank’s SBA policy. The role supports members, reviews repayment and credit information, prepares deferments and status reports, reconciles payments, and recommends strategies to collect or resolve debts and manage collateral. It also contributes to organizational projects and improvement initiatives while adhering to applicable laws and regulations, including AML and BSA requirements.

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 is preferred.
Experience with Jack Henry, E-Tran, and the Capital Access Financial System is preferred.

Responsibilities

Independently manage and service an assigned portfolio of loans.
Determine whether proposed actions are permitted by 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 an SBA loan guarantee.
Prepare and submit deferments for review and approval.
Retrieve credit files.
Exercise decision-making authority and use operational controls to minimize organizational risk.
Contribute to organizational projects and improvement initiatives.
Reconcile misapplied payments.
Ensure mitigation strategies are taken to collect and resolve debts.
Prepare monthly status reports.
Thoroughly review loan collateral and recommend appropriate actions to secure or dispose of it; document recommendations in servicing files.
Complete member requests such as multi-funding, excluding construction.
Adhere to applicable federal laws, rules, and regulations, including those related to AML and BSA.
Perform other duties as assigned.