SBA Senior Portfolio Manager

United Community Banks Inc.; Northern (KY); Hybrid; USD 88,000 - 102,000; Full time

Job summary

United Community Banks Inc. is seeking a highly skilled SBA Portfolio Manager to join our SBA lending team. You will oversee the SBA portfolio, conduct credit analysis and underwriting, and provide sales support while mentoring servicing staff.

You will review loans, manage renewals, monitor risks, and work with clients and bankers to devise action plans for downgraded loans. This on-site role requires solid financial analysis skills and knowledge of SBA programs.

Qualifications

• BS or BA degree in a related field and 7–10 years of financial analysis and portfolio management experience.
• 3–5 years of SBA lending administration experience.
• Ability to make sound loan decisions in a timely manner.
• Strong organization, attention to detail, and proactive time management.
• Experience with Moody’s or Baker Hill software is preferred.

Responsibilities

• Review loan documents, spread, and analyze business and financial statements.
• Evaluate risks and recommend mitigations for SBA requests.
• Prepare credit analysis packages and present them through the credit approval chain.
• Serve as a secondary contact for client relationships within the UCB footprint.
• Evaluate and decide on SBA Express Lines of Credit renewals.
• Manage past due accounts to minimize delinquencies.
• Mentor servicing specialists and other team members.
• Review portfolio loans approaching maturity and coordinate renewal data.
• Identify red flags and early warning signals in the portfolio.
• Develop action plans with clients and bankers if an SBA loan is downgraded.
• Assist with initial CAR and transition to Special Assets.
• Complete annual reviews of borrowing relationships per SBA procedures.
• Complete special project work and other duties as assigned.

Skills

Financial analysis

Loan structuring

Underwriting

Portfolio management

SBA lending administration

Credit analysis

Mentoring

Risk mitigation

Customer relationship

Education

BS or BA degree

Tools

360 View

Navigator

Director

nCino

Statement Analyzer

Job description

Overview

United Community is seeking a highly skilled SBA Portfolio Manager. This job involves managing and supporting the SBA lending portfolio to ensure soundness, profitability, and growth. Responsibilities include portfolio management, credit analysis, underwriting, and sales support. The role also involves identifying and mitigating underwriting risks, analyzing new SBA credit opportunities, and collecting client financial information. Additionally, the position requires mentoring team members, managing loan renewals, and maintaining compliance with regulations.

What You’ll Do

• Review loan documents, spread, analyze, and interpret business and financial statements.
• Identify strengths and weaknesses of individual requests and make recommendations to mitigate perceived risks.
• Prepare and present credit analysis packages through the credit approval chain with limited supervision.
• Serve as a secondary contact on client relationships for loans within the UCB branch footprint.
• Evaluate and decide on loan renewal requests for SBA Express Lines of Credit.
• Actively manage past dues to minimize late payments.
• Mentor SBA Servicing Portfolio Specialists and other servicing team members.
• Review portfolio loans approaching maturity and work with clients and/or bankers to gather necessary data for informed renewal decisions.
• Manage the loan portfolio for red flags and early warning signals of potential problem loans.
• Work directly with clients and/or UCB bankers or Special Assets Officers to devise appropriate action plans if/when an SBA loan is downgraded.
• Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department.
• Complete annual reviews on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures.
• Complete any special project work.
• Perform other duties as assigned.

Requirements For Success

• BS or BA degree, 7 – 10 years of solid experience in financial analysis, loan structuring, analytical skills with problem solving abilities, underwriting and portfolio management preferred
• 3 – 5 years of experience in SBA lending administration
• Ability to assume responsibility and maintain accountability for decision making
• Ability to make sound loan decisions in a timely manner
• Must be very organized, detailed-oriented, and proactive with excellent time management skills and the ability to multi-task
• Ability to spread an analyze business and personal financial statements and cash flow, gather relevant information, and make appropriate recommendations utilizing Moody’s or Baker Hill software
• Identify strengths, weaknesses, and mitigating factors for each servicing request
• Extensive knowledge of SBA loan programs and corresponding SOP’s and credit related regulations
• Strong interpersonal skills facilitating maximization of working relationships with customers, SBA team members and UCB bankers
• Strong organizational and communication skills (verbal and written). Must be able to write clearly and effectively, and be able to communicate one-on-one and in groups
• Proficient computer skills including knowledge of 360 View, Navigator, Director, nCino and Statement Analyzer

Conditions of Employment

• Must be able to pass a criminal background & credit check
• This is a full-time, non-remote position

FLSA Status:

Exempt

WORK ENVIRONMENT

UCB Location within the UCB Footprint or Remote

POSITION TYPE

This is a full-time position that requires schedule flexibility to work evenings and weekends as needed.

TRAVEL

This position requires up to 10% travel.

OTHER

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Pay Range

USD $88,074.00 - USD $102,418.00 /Yr.