SBA Portfolio Servicing Officer - Charlotte, NC

FNB Corporation; Charlotte, Northern (NC, KY); Hybrid; USD 65,000 - 90,000; Full time

Job summary

F.N.B. Corporation in Charlotte, NC, is seeking an SBA Portfolio Servicing Officer to manage a portfolio of SBA loans and perform servicing actions per bank and SBA policies.

The role involves evaluating delinquent loans, documenting actions, and coordinating escalation when needed. Requires a BA/BS and 3+ years in related work, with strong communication and organizational skills.

Qualifications

• > Excellent communication skills, both written and verbal.
• < Excellent customer service skills.
• < Excellent communication skills, both written and verbal.
• < Excellent organizational, analytical and interpersonal skills.
• < Ability to work and multi-task in a fast paced environment.
• < Ability to use general office equipment.
• < Ability to use a personal computer and job-related software.

Responsibilities

• Analyzes financial statements/spreads, prepares recommendations regarding credit quality, loan grading, etc.
• Is responsible for customer service telephone calls and inquiries and logs, assigns and tracks all received requests.
• Documents loan files to support approved actions.
• Reviews credit reports and other documents affecting repayment ability or affecting payment of SBA loan guarantee.
• Prepares and submits deferments for review and approval.
• Retrieves credit file / review from underwriting software and original approval.
• Manages and services independently a portfolio of assigned loans.
• Exercises decision-making and authority to minimize organizational risk by leveraging operational controls.
• Determines whether proper course of action is permitted by the SBA, in accordance with SOP guidelines, federal regulations and the Bank’s SBA policy.
• Contributes to organizational projects and improvement initiatives.
• Elevates loans 60 days or greater past due, or where debt will not be recouped, to appropriate internal business unit.
• Generates collection letters to borrowers.
• Reconciles misapplied payments.
• Ensures mitigation strategy has been taken to collect and resolve debts.
• Prepares monthly status reports.
• Properly documents all collection efforts on appropriate banking systems.
• Conducts a thorough review of loan collateral and recommends the appropriate course of action to secure or dispose to mitigate Bank's exposure.
• Documents servicing file with recommendation.
• Act as liaisons and works closely with Special Lending.
• Complete customer requests such as draws, preparation of borrowing base certificates, etc.
• Manage the front end of multiple disbursement non-construction loans.
• Performs other related duties and projects as assigned.

Skills

Financial analysis

Credit evaluation

Loan administration

Customer service

Documentation

Delinquency management

Portfolio management

Communication

Education

BA or BS

Job description

Primary Office Location: 401 S Graham St. Charlotte, North Carolina. 28202.

Join our team. Make a difference - for us and for your future.

Position Title

SBA Portfolio Servicing Officer

Business Unit

Commercial Banking

Reports to

SBA Portfolio Servicing Manager

Position Overview

This position is primarily responsible for managing a portfolio of SBA loans and performing all servicing actions as required by the Bank and SBA policies and procedures in order to maintain and preserve SBA Guaranty. The incumbent will evaluate delinquent loans based on sound financial information, recognize and use escalation techniques as appropriate and utilize all available information to quickly resolve past due loans.

Primary Responsibilities

• Analyzes financial statements/spreads, prepares recommendations regarding credit quality, loan grading, etc.
• Is responsible for customer service telephone calls and inquiries and logs, assigns and tracks all received requests.
• Documents loan files to support approved actions.
• Reviews credit reports and other documents affecting repayment ability or affecting payment of SBA loan guarantee.
• Prepares and submits deferments for review and approval.
• Retrieves credit file / review from underwriting software and original approval.
• Manages and services independently a portfolio of assigned loans.
• Exercises decision-making and authority to minimize organizational risk by leveraging operational controls.
• Determines whether proper course of action is permitted by the SBA, in accordance with SOP guidelines, federal regulations and the Bank’s SBA policy.
• Contributes to organizational projects and improvement initiatives.
• Elevates loans 60 days or greater past due, or where debt will not be recouped, to appropriate internal business unit.
• Generates collection letters to borrowers.
• Reconciles misapplied payments.
• Ensures mitigation strategy has been taken to collect and resolve debts.
• Prepares monthly status reports.
• Properly documents all collection efforts on appropriate banking systems.
• Conducts a thorough review of loan collateral and recommends the appropriate course of action to secure or dispose to mitigate Bank's exposure.
• Documents servicing file with recommendation.
• Act as liaisons and works closely with Special Lending.
• Complete customer requests such as draws, preparation of borrowing base certificates, etc.
• Manage the front end of multiple disbursement non-construction loans.
• Performs other related duties and projects as assigned.

Minimum Level of Education Required

BA or BS

Minimum # of Years of Job Related Experience Required

3

Skills Required

• Excellent communication skills, both written and verbal
• Excellent customer service skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Ability to work and multi-task in a fast paced environment
• Ability to use general office equipment
• Ability to use a personal computer and job-related software

Licensures/Certifications Required

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work

N/A

Equal Employment Opportunity (EEO)

Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace. FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.

Culture & Career Opportunities

A culture of teamwork. A history of success. As a leading diversified financial services company, F.N.B. Corporation (FNB) offers a wide range of opportunities for individuals who want to grow their careers. The FNB team is a group of highly qualified professionals who work together to provide comprehensive financial solutions across our corporate footprint, which includes Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina, and South Carolina. Our consistent recognition as a best place to work and top workplace by our own employees symbolizes the outstanding culture we represent.

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