SBA Senior Portfolio Manager

United Community Bank•,

4d•Hybrid

About The Position

Responsible for ensuring the portfolio achieves soundness, probability, and growth objectives. Provides portfolio management, credit, underwriting, and sales support for the SBA function. Identifies, quantifies and mitigates underwriting risks inherent in an SBA lending function. Responsible for analysis of new SBA credit opportunities, underwrite and collect client financial information.

Requirements

BS or BA degree, 7 – 10 years of solid experience in financial analysis, loan structuring, analytical skills with problem solving abilities, underwriting and portfolio management preferred
3 – 5 years of experience in SBA lending administration
Ability to assume responsibility and maintain accountability for decision making
Ability to make sound loan decisions in a timely manner
Must be very organized, detailed-oriented, and proactive with excellent time management skills and the ability to multi-task
Ability to spread an analyze business and personal financial statements and cash flow, gather relevant information, and make appropriate recommendations utilizing Moody’s or Baker Hill software
Identify strengths, weaknesses, and mitigating factors for each servicing request
Extensive knowledge of SBA loan programs and corresponding SOP’s and credit related regulations
Strong interpersonal skills facilitating maximization of working relationships with customers, SBA team members and UCB bankers
Strong organizational and communication skills (verbal and written). Must be able to write clearly and effectively, and be able to communicate one-on-one and in groups
Proficient computer skills including knowledge of 360 View, Navigator, Director, nCino and Statement Analyzer
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Responsibilities

Must be able to review loan documents, spread, analyze, and interpret businesses and financial statements
Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
Serve as secondary contact on client relationships for loan within the UCB branch footprint
Evaluate and decision loan renewal requests for SBA Express Lines of Credit
Actively manage past dues to minimize late payments
Mentors SBA Servicing Portfolio Specialists and other Servicing team members
Review portfolio loans approaching maturity and works with clients and/or bankers to get the necessary data in order to make an informed renewal decision
Manage the loan portfolio for red flags and early warning signals of potential problem loans.
Work directly with clients and/or with UCB bankers or Special Assets Officers to devise an appropriate plan of action if/when the SBA loan is downgraded
Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department.
Complete an annual review on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures
Complete any special project work
Other duties as assigned