SBA Sr. Portfolio Manager

Northwest Bank•Columbus, OH

17h•Onsite

About The Position

A senior credit leader for the SBA portfolio, responsible for complex underwriting and portfolio management across 7(a) and related SBA products. Serves as a subject matter expert (SME) on SBA eligibility, structure, and servicing; leads risk governance and trains/mentors the team. Partners closely with Relationship Managers (RMs), Credit Risk, Legal, and Special Assets to deliver strong customer outcomes while protecting the SBA guaranty.

Requirements

8-12 years of SBA/Commercial credit with deep SBA SOP knowledge
Proven success managing moderate to high complexity portfolios preferred

Nice To Haves

Associate’s degree in finance, accounting, economics, or related degree preferred

Responsibilities

Advanced portfolio oversight: Owns monitoring cadence for a complex book, including covenant tracking, annual reviews, criticized asset reviews, early‑warning indicators, and risk‑rating validation; ensures policy/SOP alignment and timely remediation
SBA expert underwriting & approvals: Structures, underwrites, and recommends/approves complex small‑business credit actions (e.g., business acquisitions, partner buyouts, real estate with EPC/OC structures, CAPLines, partial changes of ownership) consistent with SBA SOP and bank policy; prepares executive‑ready credit memos
Regulatory & guaranty integrity: Ensures accurate and timely SBA communications and monthly reporting (e.g., 1502); drives file quality and documentation readiness pre‑exam/audit; leads guaranty‑risk mitigation to prevent repairs/denials
Servicing leadership: Designs risk strategies for complex actions (mods, deferments, liquidations, Purchase Demand Packages, Offers in Compromise, reinstatements, charge‑off requests) in partnership with Legal/Special Assets
Data‑driven insights: Documents and tracks key risk indicators; produces portfolio analytics (trend, sensitivity, PD/LGD, collateral coverage) to inform strategy and capital allocation
Cross‑functional liaison & governance: Leads credit discussions; coordinates with RMs, Underwriting, Operations, and Credit Risk so approvals are obtained and recorded accurately in systems of record
Coaching & standards: Mentors PM I & II; improves loan policy/procedures, playbooks, and training content; champions a customer‑centric, compliance‑first culture
Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
Work as part of a team