SBA Liquidation & Recovery Specialist

Arizona Federal Credit Union; Phoenix, Northern (AZ, KY); Hybrid; USD 90,000 - 115,000; Full time

Job summary

Arizona Federal Credit Union is seeking an SBA Liquidation Specialist to manage workout and liquidation of delinquent SBA 7(a) and other government-guaranteed loans. You will coordinate with SBA Credit Officer, ensure SBA SOP compliance, and drive recovery strategies to maximize recoveries while minimizing losses.

The role requires 5–7 years in financial services with focus on SBA workouts, strong analytical skills, and experience negotiating with vendors.

Qualifications

• Five (5) to seven (7) years financial services experience including at least three to five (3-5) years of direct experience with SBA liquidation and workout activities.
• Excellent knowledge and understanding of SBA Liquidation SOP.
• Knowledge of lending, laws, and regulations together with those related rules and regulations of the Credit Union’s primary regulator.
• Experience negotiating and maintaining vendor contracts.
• Ability to speak and present effectively to upper management, industry groups and members.
• Ability to read, analyze and interpret technical procedures, financial reports, legal documents, and government regulations.
• Strong analytical skills to assist in identifying least-cost alternatives and perform reliable cost-benefit analysis.
• Must have in-depth knowledge of creditor’s rights and insolvency, including residential, consumer and commercial loan documentation and the role this documentation plays in accelerating loans, managing bankruptcies, exercising legal remedies, and developing effective workout and recovery strategies.
• Demonstrated ability to exercise independent judgment in evaluating troubled loan relationships and recommending workout, liquidation, recovery, and risk mitigation strategies.

Responsibilities

• Manages delinquent and defaulted SBA 7(a) and other government-guaranteed loans.
• Administers and executes SBA liquidation plans, collateral disposition, foreclosure, repossession, and recovery actions.
• Works closely with SBA Credit Officer and SBA Loan Servicing to ensure deadlines are met with regarding SBA SOP requirements for liquidation and workout loans.
• Prepares SBA guaranty purchase packages, Wrap-Up Reports, and related recommendations to preserve guaranties and maximize recovery opportunities.
• Coordinates with appropriate SBA-experienced legal counsel on bankruptcy, litigation, foreclosure, and judgments, providing recommendations regarding resolution strategies and legal remedies.
• Maintains compliance with SBA SOP requirements to preserve guaranties.
• Provides management reporting and recommendations on classified assets, recoveries, charge-offs, and portfolio risk.
• Works closely with Chief Credit Officer on all loans within the special assets category, evaluating workout alternatives and recommending liquidation, recovery, and risk mitigation strategies.

Skills

SBA liquidation

Vendor negotiations

Cost-benefit analysis

Financial analysis

Regulatory knowledge

Education

College degree in Business/Accounting/Finance

Job description

Arizona Federal Credit Union is seeking an SBA Liquidation Specialist to manage workout and liquidation of delinquent SBA 7(a) and other government-guaranteed loans. You will coordinate with SBA Credit Officer, ensure SBA SOP compliance, and drive recovery strategies to maximize recoveries while minimizing losses.

The role requires 5–7 years in financial services with focus on SBA workouts, strong analytical skills, and experience negotiating with vendors.