SBA Eligibility Review Officer III

Exempt Status: Yes (not eligible for overtime pay)

Applications accepted through at least 10/01/2026.

Certain positions may be eligible for a flexible work arrangement, combining in-office and work-from-home opportunities.

About the Role

The SBA Eligibility Review Officer III serves as the subject matter expert in SBA servicing procedures and acts as a consultant on government-guaranteed loan programs to sales, underwriting, and closing colleagues. This role maintains an individual pipeline of work, typically handling loans of advanced complexity with customer exposure up to $5 million.

Responsibilities

• Appropriately assess eligibility of borrower(s), co-borrower(s), and guarantor(s) to ensure the SBA guarantee can be enforced if needed.
• Interact with internal SBA Sales and Operations colleagues to facilitate understanding of SBA and USDA guaranteed loan programs, obtain necessary eligibility information, and communicate eligibility decisions and reasoning.
• Review use of proceeds, order SBA Number, prepare SBA Loan Authorization and other SBA forms, ensuring the loan meets all SBA/USDA requirements.
• Review all reports and information related to SBA/USDA eligibility requirements, including franchise agreements, purchase agreements, bank notes, and business plans, to determine if terms and conditions of the SBA credit approval will be met.
• Research and resolve complex servicing questions from the SBA and internal personnel to ensure the guaranty can be maintained.
• Advise Financial Recovery Group (FRG) colleagues on properly working out, liquidating, and litigating SBA loans, and submit final wrap-up reports to the SBA once resolution is made.
• Serve as the main point of contact to commercial loan servicing colleagues to ensure proper accounting and reporting of all SBA loans (1502 Report).
• Assist with training and mentoring new hires, as well as providing support for the SBA ERO I & SBA ERO II job families.
• Perform other tasks as needed to support the line of business and job family.

Requirements

• Bachelor’s Degree and 5 years of HNB SBA/USDA lending/due diligence experience, or a minimum of 7 years of direct SBA/USDA lending/due diligence experience.

Preferred Qualifications

• Bachelor’s Degree in Finance, Accounting, Business, or Economics.
• Knowledge of the SBA Standard Operating Procedures (SOP).
• Ability to clearly document and communicate eligibility conditions to close in accordance with SBA Standard Operating Procedures.
• Ability to work in a fast-paced production environment with strong organizational skills, attention to detail, and the ability to multi-task.
• Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization.
• Knowledge of SBA/USDA loan programs; TSoft and SBA Etran experience preferred.
• Excellent PC skills, including Excel, Word, Outlook, AFS, and Velocity.
• Excellent verbal and written communication skills to provide exceptional customer service to both internal and external customers.
• Excellent analytical skills and the ability to write in a concise, logical manner to clearly document transaction risks and mitigants.

Pay

The compensation range for this position is $77,000 - $154,000 annual salary. Actual compensation will vary based on factors including location, experience, and education. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan.

Benefits

• Health insurance coverage
• Wellness program
• Life and disability insurance
• Retirement savings plan
• Paid leave programs
• Paid holidays and paid time off (PTO)