SBA Portfolio Servicing Officer II

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 II to manage a complex SBA loan portfolio and perform servicing actions per SBA policies.

You will evaluate delinquent loans, escalate as needed, and ensure timely remediation while backing up the servicing manager. Responsibilities include analyzing financial statements, handling customer service inquiries, documenting files, reviewing credit reports, preparing deferments, and generating status reports.

Qualifications

• BA or BS is required.
• Minimum 5 years of related experience.
• Excellent written and verbal communication.
• Strong customer service skills.
• Excellent organizational, analytical and interpersonal skills.
• Excellent project management skills.
• Ability to multitask in a fast-paced environment.
• MS Word – Intermediate level.
• MS Excel – Intermediate level.
• Ability to use a PC and job-related software.

Responsibilities

• Analyzes complex financial statements and determines credit quality.
• Handles customer service calls and logs inquiries.
• Documents loan files to support approved actions.
• Reviews credit reports affecting repayment ability or SBA guarantee.
• Prepares and submits deferments for review and approval.
• Manages and services independently a portfolio of assigned loans.
• Escalates loans 60 days or greater past due for internal action.
• Generates collection letters to borrowers.
• Backs up SBA Portfolio Servicing Manager as needed.
• Trains new employees and mentors teammates.

Skills

Communication

Customer Service

Organizational Skills

Project Management

Multitasking

MS Word

MS Excel

PC Proficiency

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 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 new employees, 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.

Minimum Level of Education Required

BA or BS

Minimum # of Years of Job Related Experience Required

5

Skills Required

• 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

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. 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.