Loan Review Senior Consultant

About the role

The Loan Review Senior Consultant supports the U.S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by conducting detailed reviews of 7(a) and 504 loan files. This involves assessing compliance with SBA Loan Program Requirements and documenting findings in structured work papers and loan file review reports.

Responsibilities

• Review loan files across origination, servicing, liquidation, and targeted partial review scopes to assess compliance with SBA Loan Program Requirements.
• Analyze loan documentation, identify compliance issues or deficiencies, and document findings in structured work papers and loan file review reports.
• Inventory and analyze loan files, extract and evaluate data from SBA data systems and lender-provided documentation, and identify correctable and uncorrectable exceptions.
• Work directly with SBA Lenders, under SBA direction, to clarify documentation, resolve preliminary deficiencies when possible, and ensure lenders understand identified risks and requirements.
• Prepare clear, well-supported written summaries and draft and final loan file review reports that outline condition, criteria, cause, effect, and corrective action for identified issues.
• Use a secure, web-based virtual data warehouse and workflow tracking system to manage file reviews, maintain work papers, and support status reporting.
• Adequately adhere to strict quality, timeliness, documentation, and data security standards, including the protection of Personally Identifiable Information (PII) and confidential business information.
• Support onsite or remote reviews, participate in quality assurance activities, and contribute to weekly, monthly, or ad hoc reporting provided to SBA.

Requirements

• U.S. Citizenship and ability to obtain and maintain a federal Public Trust.
• Bachelor's degree and Minimum of three (3) years of recent experience working with SBA 7(a) and/or 504 loans (e.g., as a third-party reviewer, examiner, auditor, underwriter, loan closer, or liquidation specialist); OR seven (7) years of relevant experience in lieu of degree.
• Demonstrated experience reviewing loan files for compliance, risk, and adherence to regulatory and program requirements.
• Strong analytical skills with the ability to identify, document, and clearly explain loan file deficiencies and risks.
• Experience preparing detailed work papers, loan file review reports, and written summaries that support defensible conclusions.
• Ability to communicate effectively with SBA personnel and SBA Lenders, including explaining compliance issues and requirements.
• Strong attention to detail, organization, and ability to manage multiple file reviews simultaneously while meeting delivery timelines.
• Proficiency with document management systems, workflow tracking tools, and standard Microsoft Office applications (Excel, Word, PowerPoint).

Qualifications

• Direct experience supporting SBA Office of Credit Risk Management (OCRM) oversight activities, including risk-based reviews, examinations, audits, or increased supervision.
• Experience performing servicing or liquidation reviews, including eligibility and disbursement testing.
• Familiarity with quality assurance reviews, forensic reviews, or reviews related to fraud, waste, and abuse.
• Experience working with virtual data warehouses, customer relationship management (CRM) systems, or management workflow systems (MWS).
• Experience supporting federal financial regulatory or oversight programs beyond SBA.
• Willingness and ability to support limited on-site reviews at SBA headquarters, SBA field offices, or SBA Lender locations, as required.
• Ability to review loan files containing documentation in Spanish.

Skills

• Strong analytical skills.
• Effective communication skills.
• Attention to detail.
• Organizational skills.
• Proficiency with document management systems and workflow tracking tools.

Benefits

The annual salary range for this position is $98,000.00-$163,000.00. Compensation decisions depend on a wide range of factors, including but not limited to skill sets, experience and training, security clearances, licensure and certifications, and other business and organizational needs.

Pay

The annual salary range for this position is $98,000.00-$163,000.00.

Schedule

The schedule for this position is not specified.