SBA Senior Portfolio Officer

Bank of Hope•Dallas, TX

About The Position

The SBA Senior Portfolio Officer is responsible for the comprehensive management of SBA loans, including underwriting, analysis of financial data, and collateral evaluation to ensure compliance with bank policies and regulations. This role involves recommending or denying loan requests, administering loan documents, performing risk management, and detecting early warning signs of problem loans. The officer must also comply with various regulatory requirements and the Bank's security program.

Requirements

Minimum Education Level: High School Diploma
5+ years of banking experience, preferably in lending
Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.
Ability to respond effectively to sensitive inquiries or complaints.
Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, employees, regulators, or board members.
Strong analytical skills including the ability to define problems, collect data, establish facts, and draw conclusions.
Ability to interpret technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Good Analytical/Math skills
Effectively manage multiple deadlines and projects
Knowledge of lending operations, Note or International Dept policies and procedures
Knowledge of bank regulations affecting customer accounts

Responsibilities

Underwriting loans by analyzing historical property cash flows, guarantor’s financials, and loan collateral to comply bank policies.
Recommend or deny loan requests in conformance with banking regulations and Bank’s loan policies and procedures.
Administer and follow up on gathering loan documents.
Determine if applications meet our product guidelines and denying or rejecting loans outside the parameters.
Analyze the financial information to support loan approval.
Gather documents to perfect the security interest in collateral, if applicable.
Submit loan documents for timely loan approval or renewal approval presentations in an established format with accuracy and sufficiency of information for proper evaluation.
Analyze collateral values and insurance coverage.
Perform risk management on loans.
Submit reports of calls made and document customer contacts for future references.
Detect early warning signs of problem loans and immediate notification to a supervisor, Chief Credit Administrator, Loan Review, or Loan Servicing.
Comply with regulatory requirements including Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Privacy, and Security.
Develop loan and deposit customers may be required.
Comply with the Bank’s security program, including but not limited to:
Review and comply with the End-User Computing Agreement
Acquire good knowledge on functions and usage of computer systems as related to the assigned job functions.
Be current and knowledgeable in industry’s trend in safeguarding the Bank against confidential data leak, identity theft, fraudulent activities, and computer security threats.
Reports suspicious activities to manager, Chief Risk Officer or Information Security Officer.