SBA Portfolio Manager

Role Description

The SBA Portfolio Manager oversees the servicing, risk management, and resolution of the Bank’s SBA and government-guaranteed loan portfolio. This role combines proactive portfolio monitoring, customer servicing, credit analysis, and problem loan support to ensure compliance with SBA SOPs, Bank policies, and regulatory requirements while mitigating risk and maximizing recovery.

• Manages an assigned SBA and government-guaranteed loan portfolio, ensuring compliance with SBA SOPs, Bank policies, and regulatory requirements.
• Monitors loan performance, payment activity, covenants, insurance, flood certifications, UCC filings, and other ongoing servicing requirements.
• Processes customer servicing requests including disbursements, deferments, extensions, assumptions, collateral changes, subordinations, re-amortizations, and payoffs.
• Prepares, reviews, and coordinates SBA servicing documentation with customers and internal teams; ensures accurate loan boarding, conducts post-closing file reviews, and maintains complete post-closing records.
• Collects and analyzes borrower financial information to assess ongoing credit quality, covenant compliance, and early warning indicators.
• Evaluates credit risk trends and recommends appropriate credit actions, including risk rating changes and adverse action when warranted.
• Prepares credit memorandums, summary reports, and underwriting documentation to support annual reviews, modifications, or credit decisions.
• Collaborates with Credit and Special Assets teams to manage criticized or classified assets and support workout strategies.
• Prepares Transfer Memos for the Special Assets Team to support SBA loan workout, default, and liquidation processes.
• Prepares and submits SBA Uniform Purchase Packages (UPP) and responds to SBA requests for additional documentation.
• Engages internal legal counsel, SBA offices, CDCs, and external partners to support liquidation and recovery efforts.
• Tracks and manages liquidation timelines, recoveries, guaranty payments, and related reporting requirements.
• Prepares and submits accurate SBA reports and required portfolio monitoring reports in accordance with program guidelines.
• Conducts quarterly portfolio monitoring and reconciles guaranty payments or reporting discrepancies with the SBA.
• Maintains complete and accurate servicing logs, ticklers, and loan documentation in accordance with record retention standards.
• Supports internal and external SBA audits by compiling required documentation and responding to audit requests.
• Stays current on SBA regulatory changes and communicates updates to internal stakeholders.
• Acts as a liaison between internal departments including Lending, Credit, Compliance, Legal, and Operations.
• Partners with loan officers and analysts to support complex servicing and credit matters.
• Assists with the development and maintenance of SBA servicing procedures and manuals.
• Provides guidance and cross-training to team members on SBA servicing and portfolio management best practices.
• Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making.
• Completes administrative tasks with a sense of urgency, including required Bank Compliance Training.
• Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner.
• Positively represents the Bank through ethical conduct and community involvement.
• Demonstrates an understanding of and commitment to EEO policies.
• Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations.
• Ensures confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
• Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment.
• The position requires physical activities like sitting, walking, and reaching.
• Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
• Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.

Qualifications

• Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred.
• Advanced degree or relevant certifications strongly preferred for senior-level roles.
• Minimum 5-8 years of progressive experience in SBA workout & liquidation, commercial loan underwriting, portfolio management or equivalent at a commercial bank experience required.
• Experience with diverse credit types, including C&I, commercial real estate, SBA, professional services and privately held business lending.
• Experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Effective oral, written, and interpersonal communication skills.
• Strong organizational and time management abilities with attention to detail.
• Strong teamwork and relationship skills to lead collaborative efforts, foster alignment, and drive results across teams.
• Ability to take initiative and impact change within the Bank through consensus building and conflict resolution.
• Willingness to take on special projects and perform other duties as assigned.
• Commitment to continuous learning and professional development to stay current with industry standards and best practices.
• Ability to maintain authenticity and integrity in all professional interactions.
• Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
• Ability to work independently with minimal supervision and as part of a team.
• Proven ability to adapt to changing priorities and procedures.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.

Benefits

• Medical, dental, and vision coverage
• Life insurance
• Paid vacation
• 401(k) retirement plan
• Training & development opportunities
• Tuition reimbursement
• Employee Assistance Program
• Internal job postings and referral program