Overview:
Responsible for ensuring the portfolio achieves soundness, probability, and growth objectives. Provides portfolio management, credit, underwriting, and sales support for the SBA function. Identifies, quantifies and mitigates underwriting risks inherent in an SBA lending function. Responsible for analysis of new SBA credit opportunities, underwrite and collect client financial information.
What You’ll Do:
- Must be able to review loan documents, spread, analyze, and interpret businesses and financial statements
- Must be able to identify strengths and weaknesses of individual requests and make recommendations to address and mitigate perceived risks
- Must prepare and be able to present credit analysis packages through the credit approval chain with limited supervision
- Serve as secondary contact on client relationships for loan within the UCB branch footprint
- Evaluate and decision loan renewal requests for SBA Express Lines of Credit
- Actively manage past dues to minimize late payments
- Mentors SBA Servicing Portfolio Specialists and other Servicing team members
- Review portfolio loans approaching maturity and works with clients and/or bankers to get the necessary data in order to make an informed renewal decision
- Manage the loan portfolio for red flags and early warning signals of potential problem loans.
- Work directly with clients and/or with UCB bankers or Special Assets Officers to devise an appropriate plan of action if/when the SBA loan is downgraded
- Assist with completing the initial CAR in preparation for the loan to transition to the Special Assets Department.
- Complete an annual review on all borrowing relationships within the portfolios as outlined in the SBA Loan Monitoring procedures
- Complete any special project work
- 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
- Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Conditions of Employment:
- Must be able to pass a criminal background & credit check
- This is a full-time, non-remote position
FLSA Status:
Exempt
SUPERVISORY RESPONSIBILITY
This position does not manager employees
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.
The job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities and activities may change or be assigned at any time with or without notice.
Pay Range:
USD $88,074.00 - USD $102,418.00 /Yr.
