SBA 7 Special Assets & Portfolio Supervisor

Hëda; Irving (TX); On-site; USD 150,000 - 230,000; Full time

Job summary

Hëda is seeking a Special Assets & Portfolio Supervisor in Irving, TX to lead and optimize the resolution of SBA 7(a) loans from workout to liquidation.

The role requires 5-7+ years in SBA loan servicing and distressed asset resolution, with deep regulatory knowledge and strong leadership, negotiation, and communication skills. You will drive strategy, manage a team, and ensure compliance across the lifecycle of distressed assets.

Qualifications

• 5-7+ years SBA 7(a) loan servicing, liquidation, and distressed asset resolution.
• Deep knowledge of SBA SOP 50 57 Servicing and Liquidation and related regulations.
• Experience in SBLC environment is strongly preferred.
• Strong communication and negotiation capabilities with exec leadership.

Responsibilities

• Lead a team of Special Asset Officers and Portfolio Officers.
• Develop and implement proactive workout and recovery action plans.
• Evaluate collateral positions and structure workout solutions.
• Negotiate payment plans, forbearance, and workout terms with borrowers/guarantors.
• Direct litigation activities including bankruptcy, foreclosures, and recoveries.
• Ensure SBA SOP compliance and monitor liquidation lifecycle and extensions.
• Maintain relationships with SBA NGPC and coordinate with outside counsel.

Skills

Leadership

Regulatory knowledge

Financial analysis

Negotiation

Communication

Excel (advanced)

PowerPoint

Tools

SBA E-Tran/CAFS

PACER

LexisNexis

Spark

PCFS/Loan Manager

Job description

Special Assets & Portfolio Supervisor

Position Overview

Are you an experienced credit and asset resolution leader with deep expertise in SBA 7(a) servicing and default management? Do you excel at developing strategic workout solutions, leading high-performing teams, and protecting institutional capital through diligent regulatory compliance?

We are seeking a Special Assets & Portfolio Supervisor to oversee portfolio management and loan liquidation across the lifecycle of fully disbursed SBA 7(a) loans. In this pivotal leadership role, you will direct a team of Special Asset Officers and Portfolio Officers, implement targeted workout strategies, evaluate collateral positions, and oversee complex default, litigation, and liquidation proceedings.

Organization Overview

Our organization is a dedicated SBA lending platform committed to empowering small businesses through accessible capital and prudent credit stewardship. Operating in full compliance with U.S. Small Business Administration (SBA) policies and relevant state and federal banking regulations, we provide our team with advanced technology platforms, robust analytical tools, and executive collaboration to maintain portfolio health and achieve high-recovery resolutions.

Principal Responsibilities

• Team Leadership & Strategy: Lead, mentor, and oversee a team of Special Asset Officers and Portfolio Officers; formulate and implement proactive workout and recovery action plans.
• Workout & Restructuring: Evaluate bank collateral positions, assess business survivability, and structure alternative workout solutions to return distressed accounts to performing/pass status whenever feasible.
• Negotiations & Borrower Relations: Facilitate negotiations and high-level meetings with borrowers, guarantors, business bankers, and legal counsel regarding payment plans, forbearance agreements, and workout solutions.
• Litigation & Collateral Recovery: Direct legal proceedings, including bankruptcy filings, foreclosures, judgment enforcement, and repossession/replevin actions; manage relationships and casework with outside counsel.
• SBA Liquidation & Compliance: Oversee the liquidation plan lifecycle to ensure strict compliance with SBA SOP 50 57 Servicing and Liquidation; actively monitor the 2-year liquidation rule and submit extension requests or proof of claim documentation as required.
• Agency Relations: Maintain an effective, positive working relationship with the SBA National Guaranty Purchase Center (NGPC) to ensure protection of SBA loan guarantees.
• Bankruptcy Oversight: Monitor bankruptcy dockets via PACER, coordinate with bankruptcy trustees, draft and file proof of claims, and execute court-approved resolution strategies.
• Financial Modeling & Analysis: Conduct discounted cash flow (DCF) analyses, collateral evaluations, and cash flow spreading to formulate well-substantiated hold, workout, or sell recommendations for senior leadership.
• Covenant Tracking & Servicing: Oversee post-closing compliance, including borrower financial statements, tax verification, insurance certificates, and risk-rating reviews; record all borrower interactions and updates within the core loan system.
• Reporting & Executive Presentations: Build and maintain portfolio reporting, Excel pivot models, and PowerPoint decks for monthly portfolio reviews and Board presentations.

Qualifications

• Experience: 5-7+ years of experience in SBA 7(a) loan servicing, liquidation, and distressed asset resolution; Small Business Lending Company (SBLC) environment experience strongly preferred.
• Regulatory Expertise: Comprehensive knowledge of SBA SOP 50 57 Servicing and Liquidation, the Fair Debt Collection Practices Act (FDCPA), UCC filings, and state/federal laws governing foreclosure and collections.
• Systems Proficiency: Hands-on experience with SBA E-Tran/CAFS, FTA Systems, PACER, LexisNexis, Spark, and PCFS/Loan Manager platforms.
• Credit & Analytical Acumen: Strong proficiency in cash flow spreading, financial statement analysis, collateral valuations, and debt recovery calculations.
• Communication & Negotiation: Exceptional written, verbal, organizational, and conflict-resolution skills, with confidence presenting to executive management and board members.
• Technical Skills: Advanced proficiency in Microsoft Office (advanced Excel formulas, tables, and pivot charts; PowerPoint).

Working Conditions & Physical Demands

• Work Setting: Standard indoor professional office environment.
• Physical Demands: Minimal lifting and carrying; standard periods of sitting, standing, and desk-based computer work.