SBA Servicing Officer

Enterprise Bank & Trust•San Diego, CA

About The Position

The SBA Servicing Officer, under the supervisory direction of the SBA Servicing Supervisor, is responsible for maintaining overall compliance of the existing SBA loan portfolio. The role handles borrower servicing requests, reviews client financial information, monitors loan risk and classified accounts, maintains loan documentation, supports delinquent-account follow-up, conducts post-closing audits, and monitors performance-based loans. The position also requires adherence to bank policies and applicable compliance, equal employment opportunity, safety, and cybersecurity requirements. The role requires a bachelor’s degree or equivalent from a four-year college or university and five years of relevant experience in financial analysis and SBA loan servicing. The position involves sitting, occasional walking, and lifting up to 10 pounds. The stated pay range for new hires is $74,404–$90,939 annually, and the role is eligible for an annual bonus.

Requirements

Bachelor’s degree or equivalent from a four-year college or university.
Five years of relevant experience in financial analysis and SBA loan servicing.
Strong customer service skills and ability to communicate effectively with customers by phone and email.
Excellent written and verbal communication skills.
Excellent organizational skills.
Ability to perform detail-oriented work with a high degree of accuracy.
Ability to handle multiple priorities and tasks in a fast-paced department.
Proficiency with personal computers and related software.
Ability to sit, walk occasionally, and lift up to 10 pounds.

Responsibilities

Handle borrower servicing requests, including deferments, collateral substitutions, restructures, and assumptions.
Collect and analyze annual financial information from clients.
Monitor loans for possible risk-rating changes.
Monitor classified loans quarterly using the Special Attention Credit (SAC) report.
Ensure financial statements, tax returns, recorded documents, and UCC ticklers are current and properly maintained.
Assist with follow-up on delinquent loan accounts.
Conduct post-closing audits to comply with credit display and loan authorizations.
Monitor and maintain performance-based loans according to policy.
Understand and adhere to bank operational policies and applicable compliance regulations related to assigned duties.
Understand and comply with responsibilities under the Bank Secrecy Act, Anti-Money Laundering Act, Patriot Act, and Office of Foreign Assets Control Regulations, including required training and reporting.
Adhere to EEO/AA policy and promote a work environment free of harassment.
Perform work safely and report potentially unsafe conditions.
Contribute to the Bank’s cybersecurity efforts through observation, suspicion, and vigilance.