SBA Portfolio Servicing Officer II

First National Bank; Charlotte (NC); On-site; USD 70,000 - 100,000; Full time

Job summary

F.N.B. Corporation is seeking an SBA Portfolio Servicing Officer II in Charlotte, NC. The role focuses on managing a complex SBA loan portfolio, evaluating delinquency, and ensuring compliance with SBA and bank policies.

The position requires strong financial analysis, customer service, and mentoring abilities to support the SBA Portfolio Servicing Manager and training initiatives within Commercial Banking.

Qualifications

• BA or BS in a related field required.
• Minimum 5 years of job-related experience in SBA servicing or banking.
• Strong financial statement analysis and credit quality assessment skills.
• Ability to train and mentor new staff.

Responsibilities

• Analyzes complex financial statements and spreads to assess credit quality.
• Handles customer service calls and logs, and tracks requests.
• Documents loan files to support approved actions and reviews credit reports.
• Prepares and submits deferments for review and approval.
• Manages a portfolio of assigned SBA loans and exercises appropriate authority.
• Escalates delinquent loans 60+ days and initiates collection steps.
• Generates collection letters and reconciles misapplied payments.
• Reviews loan collateral and recommends actions to mitigate risk.
• Completes customer requests and sub-tmits draws and borrowing base certificates.
• Trains and mentors new employees; backups SBA Portfolio Servicing Manager.

Skills

Communication

Customer service

Organizational skills

Analytical skills

Interpersonal skills

Project management

Multi-tasking

MS Word

MS Excel

Education

BA or BS

Tools

MS Word

MS Excel

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 II

Business Unit: Commercial Banking

Reports to: SBA Portfolio Servicing Manager

Position Overview:

This position is primarily responsible for managing a complex 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 the 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.Incumbent will be responsible for backing up the SBA Portfolio Servicing Manger as needed, as well as training new employees who are brought on board.

Primary Responsibilities:

Analyzes complex 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.

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.Ensures reports for other servicing officers are complete and accurate.

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.

Training and mentoring of newemployees, as well as answering questions and helping teammates when necessary.

Backing up the SBA Portfolio Servicing Manager as needed.

Contributes to organizational projects and improvement initiatives.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines.Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:

BA or BS

Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:

5

Skills Required to Perform the Primary Responsibilities of this Position:

Excellent communication skills, both written and verbal

Excellent customer service skills

Excellent organizational, analytical and interpersonal skills

Excellent project management skills

Ability to work and multi-task in a fast paced environment

MS Word - Intermediate Level

MS Excel - Intermediate Level

Ability to use a personal computer and job-related software

Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:

N/A

Physical Requirements or Work Conditions Beyond Traditional Office Work:

N/A

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.