SBA Portfolio Manager

Dogwood State Bank - Charlotte, NC

Full-time

Charlotte, NC

About the position

The SBA Portfolio Manager at Dogwood State Bank is responsible for managing a portfolio of SBA loans, ensuring compliance with both Bank and SBA policies and procedures. This role plays a crucial part in maintaining and preserving SBA guarantees while delivering exceptional customer service and contributing to organizational improvement initiatives.

Responsibilities

• Independently manage and service a portfolio of assigned loans.
• Determine whether proper course of action is permitted by the SBA in accordance with SOP guidelines, Federal regulations, and the Bank's SBA policy.
• Elevate loans up to 60 days where debt will not be recouped to the appropriate internal business unit.
• Responsible for customer service telephone calls and inquiries.
• Log, assign and track all received requests.
• Review credit reports and other documents affecting repayment ability or payment of SBA loan guarantee.
• Prepare and submit deferments for review and approval.
• Retrieve credit file.
• Exercise decision making and authority to minimize organizational risk by leveraging operational controls.
• Contribute to organizational projects and improvement initiatives.
• Reconcile misapplied payments.
• Ensure mitigation strategies have been taken to collect and resolve debts.
• Prepare monthly status reports.
• Conduct a thorough review of loan collateral and recommend the appropriate course of action to secure or dispose.
• Document servicing file with recommendation.
• Complete customer requests such as multi-funding, not including construction.
• Perform other related duties as assigned.

Requirements

• Bachelor's degree in business administration or related field or equivalent banking experience.
• Minimum of 3 - 5 years servicing or underwriting experience, preferably with SBA loans.
• SBA SOP knowledge required.
• Jack Henry, E-Tran and Capital Access Financial System experience are preferred.
• Working knowledge of industry regulations and legislative guidelines.
• Comprehensive understanding of SBA lending, operations activities, products, and services.
• Ability to resolve issues, work independently, and meet deadlines.
• Basic knowledge of bank administration, lending and operations products and services; related State and Federal laws and regulations and other Bank operational policies and procedures.
• Excellent verbal and written communication skills.
• Proficient in Microsoft Office Suite or related software.
• Excellent organizational skills and attention to detail.
• Excellent analytical and management skills.
• Excellent interpersonal skills.

Nice-to-haves

• Experience with Jack Henry, E-Tran and Capital Access Financial System.