SBA Senior Portfolio Manager

United Community; United States; On-site; USD 90,000 - 130,000; Full time

Job summary

United Community seeks a skilled SBA Portfolio Manager to oversee its SBA lending portfolio, perform credit analysis, underwriting, and sales support. The role emphasizes mitigating underwriting risks, analyzing new SBA credit opportunities, and collecting client financial information.

You will mentor servicing staff, manage renewals, ensure regulatory compliance, and collaborate with branch bankers. This is a full-time, on-site position with travel as needed.

Qualifications

• BS or BA degree; 7–10 years in financial analysis, loan structuring, underwriting, and portfolio management preferred.
• 3–5 years of SBA lending administration experience.
• Ability to manage risk factors, maintain accountability for decisions, and communicate clearly with clients and colleagues.

Responsibilities

• Review loan documents and financial statements; spread and interpret cash flows.
• Assess strengths/risks of requests and propose mitigations.
• Prepare and present credit analysis packages through approval channels.
• Serve as a secondary client contact for loans in the branch footprint.
• Evaluate renewals for SBA Express Lines of Credit; manage past due accounts.
• Mentor servicing team members and support ongoing compliance.
• Review portfolios approaching maturity and coordinate data for renewal decisions.
• Identify red flags and work with clients/bankers on corrective actions.
• Assist with initial CAR preparation for transition to Special Assets.
• Complete annual reviews of borrowing relationships per SBA procedures.
• Contribute to special projects and perform other duties as assigned.

Skills

Financial analysis

Loan structuring

Underwriting

Portfolio management

Credit analysis

SBA lending

Interpersonal skills

Communication skills

Education

BS/BA degree

Tools

360 View

Navigator

Director

nCino

Statement Analyzer

Moody's

Baker Hill

Job description

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.