SBA Portfolio Administrator

Responsibilities

• Manage a portfolio of SBA 7(a) and SBA 504 loans.
• Monitor financial performance, covenant compliance, and collateral adequacy.
• Review borrower financial statements and tax returns.
• Identify early warning signs and proactively address potential credit deterioration.
• Conduct annual reviews and risk rating updates.
• Track insurance, UCC filings, life insurance assignments, and collateral documentation.
• Ensure servicing actions comply with current SBA SOP guidelines.
• Process servicing actions including deferments, modifications, assumptions, changes of ownership, collateral releases, and subordinations.
• Prepare and submit servicing requests to SBA via E-Tran or appropriate channels.
• Maintain documentation necessary to preserve the SBA guaranty.
• Prepare loans for liquidation, workout, or SBA purchase when necessary.
• Prepare and submit monthly 1502 reporting to FTA.
• Manage past-due and adversely classified loans.
• Cook up workouts, restructures, and forbearance agreements.
• Work with legal counsel and liquidation specialists as necessary.
• Prepare SBA purchase packages and ensure timely submission.
• Serve as primary point of contact for servicing-related borrower requests.
• Communicate loan status and risk updates to management.
• Partner with lenders, underwriters, and credit teams on servicing strategy.
• Provide guidance on SBA eligibility and servicing requirements.
• Maintain accurate loan files and tickler systems.
• Prepare portfolio reports for senior management.
• Aid in internal and SBA audits and examinations.
• Ensure compliance with bank policies and regulatory requirements.

Requirements

• Bachelor’s degree in Finance, Accounting, Business, or related field preferred.
• 3–7+ years of commercial loan servicing or portfolio management experience.
• Direct experience with SBA 7(a) servicing strongly preferred.
• Working knowledge of SBA SOP and E-Tran systems.
• Experience handling workouts, modifications, and SBA purchase packages preferred.
• Strong financial statement analysis skills.
• Deep understanding of collateral documentation and lien perfection.
• Knowledge of loan documentation and credit agreements.
• Strong organizational, time management, problem-solving, and concept grasping skills with minimal guidance.
• Strong written and verbal communication skills.
• Ability to work in a team environment with good interpersonal skills.
• Positive and collaborative approach with peers and management.
• Versatility, flexibility, and enthusiasm for working on changing priorities.