SBA Loan Portfolio Manager

Job Type

Full-time

Description

Job Summary Overview

The position is responsible for managing a delegated portfolio of SBA 504, 7a, and USDA loans. Duties consist of gathering, analyzing and interpreting credit and financial information for existingmembers to assess credit quality and minimize risk and potential loss. In addition, the position is the main point of contact for ongoing monitoring and periodic assessments activities

Essential Job Functions

• Portfolio Management & Cross-Selling: Effectively manages a portfolio of SBA and USDA loans while proactively engaging internal business partners to identify, solicit, and close cross-sell opportunities.
• Credit Support: Supports the SBA Business Development Officer by gathering all necessary documentation from members or prospects to facilitate the underwriting of credit requests.
• Ongoing Portfolio Monitoring: Assists in monitoring the loan portfolio, including but not limited to tracking financials, managing maturing notes, and performing annual reviews.
• Relationship Development: Builds and maintains long-term, trusted relationships with members to support business growth and retention.
• Exception Management: Oversees and resolves documentation exceptions including but not limited to missing tax returns, financial statements, and insurance requirements.
• Delinquency Oversight: Monitors past-due payments, identifies early warning signs of credit deterioration, and escalates concerns as appropriate.
• SBA Compliance & Eligibility Maintenance: Maintains compliance with SBA SOP, SBA Loan Servicing and Liquidation Procedures, and SBA Servicing and Liquidation Actions 7a matrix for all loan modification requests.
• Regulatory & Policy Compliance: Conducts all business activities in accordance with credit union policies, procedures, and applicable federal and state regulations.
• Internal Collaboration & Communication: Collaborates with business development officer, processor/closer, servicer and member(s) to obtain the necessary documents to analyze and obtain approval for a credit request including but not limited to collateral releases, deferments, annual reviews, maturing notes, etc.
• Member Engagement: Attends meetings with SBA Business Development Officers and existing or prospective members to support relationship management and deal execution.
• Cross-Departmental Collaboration: Engages with commercial/SBA lending teams, industry specialists, and other stakeholders to exchange insights and foster alignment.
• Loan Servicing: Evaluates and obtains approval for draw requests, ensuring all required documentation is submitted and acceptable, per credit union and SBA policy guidelines
• Other Duties as Assigned: Performs additional responsibilities as needed to support the SBA lending function and broader organizational goals.

Requirements

Position Required Qualifications

Minimum Education and Experience

High school diploma or GED and, three (3)+ years' of SBA experience in commercial loan underwriting, financial analysis or portfolio management.

Knowledge, Skills, and Abilities

Strong knowledge base about conventional, SBA 7(a) and SBA 504 loan programs, policies and procedures. Proficient knowledge of SBA loan servicing and liquidation SOP, and Servicing and Liquidation Matrix. Ability to identify and voice issues. Professional written, verbal communication, problem solving, and advanced interpersonal skills, along with the ability to produce quality work within tight time frames while managing multiple assignments. Exceptional attention to detail. Ability to navigate core processing systems (JHA) and department specific processing systems (Sageworks). Strong analytical and problem-solving skills. Strong work ethic, the ability to prioritize and adapt to changing deadlines, excellent communication, and the desire to work as a team to support the overall success of the credit union. Strong knowledge of Microsoft Office products including but not limited to Word, Excel, and Teams.

Licenses, Training, and Certifications Required

None

Preferred Qualifications

Four (4) year college degree in business, finance, accounting or related field.

Hybrid Work Environment and Physical Demands • Occasional lifting, 25 pounds or less.

• Sitting and standing for extended periods of time.
• Working on a computer for extended periods of time.
• Home workspace to meet work from home requirements.

NOTE: The job description is intended to be generic in nature. It is not an exhaustive list of all duties and responsibilities. Requirements listed in the above qualifications and physical requirements are representative of the knowledge, skill, abilities, physical demands, or work environment required or encountered that must be met by an employee to successfully perform each duty and each function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

Employees who work from home must