Job Summary

The SBA Manager develops and executes business plans aligned with management objectives and directs the generation of sales opportunities. Ensure all SBA eligibility, regulations and underwriting guidelines are followed. Reviews loan quality and oversees process. 

Essential Job Functions

• Generates and manages the bank’s SBA commercial real estate, SBA commercial & industrial loan portfolio to meet the targets.
• Review eligibilities of SBA loan requests, borrowers’ financial status, credit and property evaluations, credit histories, corporate financial statements and other relevant financial information to determine feasibility of granting SBA loans
• Reviews SBA SOPs, bank credit overlays to ensure there are no credit violations. 
• Ensures the SBA team members have consistent updated SOP training and are knowledgeable about SBA processing, underwriting and closing requirement.
• Reviews CAMs before submitting to CAG and answer questions from Credit.
• Making sure SBA loans can be funded within the time frame. 
• Prepare required documents and answer questions from SBA desk audit and other audits related to SBA loans. 
• Monitor quarterly SBA PARRiS report to ensure Bank’s rating not to exceed medium risks.
• Monitor payment past due loans and take required actions to protect the guaranty.

Supervisory Responsibility

Managing and directing the work of staff; leading the assessment and training of staff members - may be making recommendations on the hiring, termination, advancement, promotion, or any other employment status change of direct reporting staff.

Knowledge:

• Advanced level of work experience, knowledge and training in all SBA loan servicing activities and terminology, including SBA Standard Operating Procedures (SOP).
• Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial of data.
• Knowledge of packaging, originating, and underwriting SBA loans.
• Advanced knowledge of related state and federal banking compliance regulations, and other Bank lending policies

The ability to:

• Communicate information and ideas in speaking so others will understand.
• Apply general rules to specific problems to produce answers that make sense.
• Listen to and understand information and ideas presented through spoken words and sentences.

Qualifications/Requirements

• Bachelor Degree/Master’s Degree or equivalent.
• 10 years of commercial real estate and SBA loans.
• 10 years of business development and/or supervisory experience.
• Proficient commercial credit writing experience.
• Actively strive to increase customers’ deposit business within the Bank. 

Consecutive Absence Requirements

The incumbent of this position must satisfy a 10-day consecutive absence requirement on an annual basis.

Physical Requirements:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is occasionally required to:

• stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk to hear.
• The employee must occasionally lift and/or move up to 25 pounds.

While performing the duties of this job, the employee is not exposed to weather conditions. The noise level in the work environment is usually moderate.