SBA Lead Portfolio Manager

CFA Institute; New York (NY); Remote; USD 80,000 - 170,000; Full time

Job summary

An established industry player in financial services seeks a dedicated SBA Lead Portfolio Manager to oversee Government Guaranteed loans. This role involves managing a diverse portfolio, ensuring compliance with lending policies, and providing exceptional client support. The ideal candidate will possess strong commercial credit experience and decision-making skills, contributing to process improvements and risk management. Join a dynamic team that values inclusivity and offers a competitive salary range, along with opportunities for professional growth and development.

Qualifications

• 5+ years of experience in commercial credit and government guaranteed loans.
• Strong understanding of credit policies and procedures.

Responsibilities

• Oversee the integrity of the existing Government Guaranteed loan portfolio.
• Analyze SBA servicing requests and provide loan decisions.
• Monitor financial performance and compliance of loans.

Skills

Commercial Credit Experience

Risk Assessment

Decision-Making Skills

Organizational Skills

Customer Service Skills

Problem-Solving Skills

Communication Skills

Education

Bachelor's degree in Accounting or Finance

Tools

Microsoft Office

Excel

AFS

ACE

Mobius

Job description

Make banking a Fifth Third better

We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

Our About Provide:

Powered by Fifth Third Bank, Provide empowers entrepreneurs to build their legacies. As the leader in tech-enabled financial services for aspiring and established small business owners, Provide offers an unmatched combination of industry expertise, personalized service, and customized financial products - enabling entrepreneurs to achieve their ownership dreams, realize financial independence, and strengthen their communities. Founded in a one-bedroom San Francisco apartment in 2013, Provide was acquired by Fifth Third in 2021, and in 2023, was named one of Fast Company's Most Innovative Companies. Learn more at getprovide.com, and join the conversation on LinkedIn, Instagram, and TikTok.

Our Team is Growing:

Provides support to relationship managers and SBA Specialists with the servicing/portfolio management of commercial Government Guaranteed loans (SBA 7A, USDA, SSBCI & 504) to ensure compliance with specific government guidelines and bank lending policies and practices. Performs portfolio management activities including reviews, renewals, and modifications of Government Guaranteed loans. Responsible for maintaining and adhering to credit quality goals established for the portfolio. Supports Credit Officer/Team Leader with the management of Portfolio Managers and Credit Analysts. Reviews existing small business loans to ensure acceptable credit standards are maintained, conforming to policy.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures. Ensures actions and behaviors drive a positive customer experience. Achieves results by identifying, assessing, managing, monitoring, and reporting risks of all types within the Bank's risk appetite.

A Day in the Life:

• Assist in overseeing the integrity of the existing GGL portfolio.
• Ensure exceptional client support is provided.
• Analyze SBA servicing requests and provide loan decisions/recommendations based on reviews.
• Underwrite reviews, SBA servicing requests, and new money requests, ensuring compliance with loan policy, SBA SOP, and credit quality standards.
• Review and decide on small business loan application credits up to approved loan authority.
• Ensure timely processing of SBA servicing requests, meeting department SLAs and performance standards.
• Monitor, review, and service Government Guaranteed loan products per guidelines.
• Maintain ongoing financial analysis of SBA relationships, communicating material changes and making monitoring recommendations.
• Perform risk grade changes to support current information.
• Identify and analyze Key Risk Indicators to spot emerging risks/trends.
• Monitor financial performance and compliance, taking appropriate action on non-compliant or past-due loans.
• Review account statuses, including past due accounts and matured notes, making recommendations as needed.
• Oversee and analyze SBA Watch List accounts.
• Maintain knowledge of Government Guaranteed Lending products, SOPs, guidelines, and credit policies.
• Review portfolio for compliance and recommend updates.
• Suggest improvements to lending policies and procedures.
• Perform other assignments as needed.

Supervisory Skills:

May provide leadership and supervision to junior underwriters, credit analysts, and leadership program participants.

Our Newest Teammate Will Have:

• Bachelor's degree in accounting, finance, or related field preferred or equivalent experience.
• Minimum 5 years of commercial credit and GGL government loan experience.
• Strong understanding of credit policy & procedures; ability to risk-rate credit and evaluate cash-flow and collateral-based loans.
• Strong decision-making and organizational skills; detail-oriented and able to multi-task.
• Ability to work effectively in high-volume environments and prioritize tasks.
• Ability to work independently and in teams.
• Contribute to process improvements.
• Proficient in Bank systems (AFS, ACE, Mobius), Microsoft Office, and Excel.
• Excellent problem-solving, verbal, and written communication skills.
• Strong interpersonal and customer service skills.
• Ability to handle multiple priorities.

Working Conditions:

• Normal office environment with minimal exposure to dust, noise, or temperature extremes.
• Extended periods at a desk or viewing screens.

SBA Lead Portfolio Manager

Total Base Pay Range: $80,500 - $169,100 USD annually.

Location: Virtual, Kentucky 00000

Fifth Third Bank, National Association, is committed to an inclusive culture and equal employment opportunity for all, regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military or veteran status, or other protected status.