SBA Servicing Specialist I

First Internet Bank•Fishers, IN

About The Position

The SBA Servicing Specialist I supports the onboarding, payment processing, maintenance, administration, and ongoing servicing of the Small Business Lending loan portfolio in accordance with SBA requirements, bank policy, loan approval terms, and internal controls. The role supports the servicing lifecycle of SBA loans, including loan booking, cash management, transaction processing, reporting, secondary market support, customer service, and exception resolution. The position performs assigned loan onboarding and booking activities; reviews loan information and supporting documentation; supports post-closing quality control; processes funding transfers; and assists with balancing routine funding and cash activity. It also processes approved loan maintenance, payments, line of credit draws, disbursements, payoff requests, borrower billings, rate change notices, and other servicing transactions within assigned authority. The specialist maintains records and reporting, provides customer service, supports secondary market and loan closing activities, and coordinates with other departments to research and resolve routine matters. The role uses nCino, PCFS Loan Manager, and other applicable systems, and supports departmental workflows, service queues, cross-training, process improvement, system testing, and procedure updates. The position is based in a professional office setting and is primarily sedentary, involving extended periods working at a computer, with movement throughout the office and buildings to obtain or relay information.

Requirements

A minimum of one year of experience in banking, commercial/SBA lending, financial services operations, or a related field.
Proficiency in Microsoft Office and ability to learn applicable databases, loan systems, and workflow applications.
Ability to follow procedures, apply internal controls, maintain supporting documentation, and escalate exceptions appropriately.
Ability to work independently on familiar assignments and collaboratively as part of a team.
Demonstrated ability to manage multiple priorities and complete work timely and accurately.
Ability to perform the essential functions of the position with or without reasonable accommodation.

Nice To Haves

Commercial or SBA lending experience.
Basic knowledge of loan servicing, payment processing, loan documentation, accounting principles, general ledger activity, and reconciliations.
Working knowledge of PCFS Loan Manager and nCino.

Responsibilities

Perform assigned loan onboarding and booking activities in nCino, PCFS Loan Manager, and other applicable systems.
Review loan information and supporting documentation for accuracy and completeness.
Participate in post-closing quality control and help resolve booking or system discrepancies.
Process funding transfers involving applicable general ledger accounts, funding accounts, and wire systems.
Assist with balancing and resolving routine differences related to loan funding and cash activity.
Ensure loan booking and funding activities comply with approval terms, segregation of duties, and established SOX controls.
Process approved loan maintenance, payments, line of credit draws, disbursements, and other servicing transactions within assigned authority.
Assist with administering multiple-disbursement loans and maintaining applicable documentation and controls.
Process payoff requests, client billings, rate change notices, and other borrower communications.
Receive and respond to servicing requests or route them to the appropriate department based on their nature and complexity.
Prepare and maintain SBA, departmental, and ad hoc reporting, including 1502, guaranty fee, CRA, deposit account, and general ledger activity.
Assist with assigned secondary market activities, including sale documentation, transaction recording, and reconciliation reporting.
Support loan closing assignments, departmental workflows, service queues, and systems, including Jira.
Identify matters outside established procedures or assigned authority and escalate them appropriately.
Maintain accurate loan and servicing records in nCino, PCFS Loan Manager, and other applicable systems.
Coordinate with Accounting and other bank departments to research and resolve routine servicing, transaction, and reconciliation matters.
Provide professional and responsive service to internal and external customers.
Maintain complete and accurate records supporting servicing activities and required controls.
Participate in cross-training, process improvement, system testing, and departmental procedure updates.
Provide support in all core responsibilities and perform other duties as assigned.

Benefits

Medical, dental, and vision insurance for full-time employees, with eligibility beginning on the first day of employment.
401(k) retirement plan with generous match for full-time and part-time employees, with eligibility beginning on the first day of employment.
Professional development reimbursement.
At least three weeks of paid vacation annually for new employees, adjusted based on start date.
Eleven paid holidays.
Paid volunteer time, described as unlimited volunteer time off.
Continuous education opportunities for development.
Onsite fitness center.
Free snacks, soft drinks, and beer on tap.
Annual First Internet Bank-branded merchandise allowance.
Regular team events.