SBA Portfolio Manager II

Position Overview

This experienced position, operating under general direction, is responsible for comprehensive portfolio management and the cross-selling of bank products.

Key Responsibilities

• Perform portfolio management responsibilities including:

  • SBA Expertise & Compliance: Utilize extensive knowledge of SBA policies and procedures to protect the validity of the SBA guarantee when structuring new loans and servicing/modifying existing ones.
  • Customer Consultation & Sales: Conduct initial interviews with customers to explain SBA products and structure loans; solicit existing portfolio customers to increase retention, loan volume, and cross-sell bank products.
  • Eligibility & Negotiation: Verify borrower eligibility with all SBA guidelines and regulations; lead transaction negotiations.
  • Analysis & Closings: Prepare SBA Loan Offering Analysis for modifications and new business transactions; facilitate the closing of all transactions.
  • Portfolio Oversight: Perform continued delinquency control, complete annual reviews to assess credit quality and covenant compliance and conduct property inspections as required.
  • Relationship Management: Promote and maintain strong customer relations.

• Prepares Loan Offering Analyses, which include:

  • Credit Analysis & Underwriting: Prepare comprehensive credit packages, deal discussions, annual reviews, 10-day review memos, CRMR’s and conduct initial underwriting.
  • Financial & Property Analysis: Perform detailed analysis of financial statements, project economics, income/expense reports, tenancy, property valuations, and discounted cash flow models.
  • Construction Review: Conduct construction budget analysis, including the determination of sources and uses of funds.
  • Risk Management: Assess all lending risks, clearly identify offsetting mitigants, and summarize recommendations effectively.
  • Legal & Closing Coordination: Maintain close liaison with the bank’s attorney to coordinate and attend loan closings.
  • Servicing & Resolution: Prepare modification memos for post-closing servicing actions and work closely with borrowers to resolve issues as they arise.

• Complete special projects directed by the department head.

• Participate in SBA training and webinars.

Minimum Qualifications

• Bachelor’s degree is preferred in Accounting, Finance or Business Administration.
• 4-6 years’ minimum relevant SBA Lending experience.
• SBA Program Expertise: Possess thorough knowledge of all SBA SOPs, procedures, products, and policies.
• Analytical Skills: Proven experience in financial and loan analysis, coupled with strong verbal, written, and analytical skills.
• Technical Proficiency: Proficient in essential software, including Microsoft Word, Excel, Credit Lens, financial analysis programs, and discounted cash flow models.
• Operational Knowledge: Knowledgeable regarding current SBA policy, general loan standards, loan review administration, and banking/OCC procedures.
• Independence: Ability to work independently and maintain portfolio/department operations without constant supervision.
• Customer Focus: Strong customer service skills and orientation.