Job Title:  SBA Portfolio Manager

Position Reports to: VPSBA Manager

Objective:  The SBA Portfolio Manager will provide support to the Commercial Lending and SBA team to ensure a high level of SBA portfolio quality. This includes monitoring the portfolio, reports, interim performance while maintaining compliance with regulations, policies and procedures. This position is also responsible for providing assistance with various SBA lending tasks as needed and demonstrating a strong internal and external customer service focus throughout.


Portfolio Servicing

  • Assists lenders with pre-flight analysis of prospective borrower’s information to determine an SBA eligible structure to best meet client’s need.
  • Review proposals and commitment letters on new SBA opportunities.
  • Monitors the daily deposit fluctuation report, overdrafts, and past due payments for SBA Lender.
  • Reviews draft SBA credit presentations for adherence to SBA standards and credit quality.
  • Assists the lender with the documentation collection on new SBA loans through credit approval.
  • Attends meetings as assigned including customer meetings, and credit meetings to present loans for approval.
  • Assist in reviews of letter of intent, purchase agreements, lease agreements, and other documents assigned to ensure it meets SBA compliance requirements.
  • Work with clients to troubleshoot issues identified by SBA Packager or Credit Analyst during loan origination and construction monitoring.
  • Monitors the health of the SBA loan portfolio including, but not limited to: financial ticklers, annual reviews, and servicing oversight by working with credit to address identified risks.
  • Performs file maintenance functions including, but not limited to: loan transactions, servicing actions, and loan defaults.
  • Performs commercial loan property site visits regionally, as needed, and monitors collateral for external risks.
  • Establishes and maintains effective working relationships with internal and external contacts, including employees, members, board members and outside vendors.
  • Maintains up-to-date knowledge of all regulations that pertain to this position, including all products, services, and promotions.
  • Assists in loan processing and underwriting functions as needed.
  • Understands and follows all policies and SBA SOP requirements.
  • Other duties and or special projects as assigned.

Other Responsibilities:

  • Embody Platinum Bank’s core values.
  • Maintain the highest level of confidentiality with all information obtained.
  • Comply with all department and company policies, procedures, and regulations.
  • Stays abreast of changes to the SBA SOPs, consults with manager and CCO as necessary. 
  • Assist in other special projects as assigned.


Education and/or Experience:

  • Bachelor’s Degree, preferably in Business or similar, or equivalent work experience.
  • Strong analytical skills that can be used to solve and resolve complex financial decision. 
  • 5+ years of related experience, preferably in SBA lending.
  • Experience with credit/business lending, preferred.
  • Good verbal and written communication skills.

Knowledge, Skills & Abilities:

  • Excellent interpersonal & customer service skills
  • Ability to listen, speak clearly and effectively to others.
  • Respects opinions of others.

Technical Skills

  • Proficient skill set in the use of the following software applications:  Microsoft Excel, Word, and Outlook.
  • Experience with Jack Henry and Salesforce applications desirable.

Competency Requirements 

  • Decision Making/Problem Solving – Ability to make good quality decisions in a timely and decisive manner and systematically evaluate alternatives.
  • Self-Management – Strong time management, work prioritization, and organizational skills; detailed oriented; self-motivation; actively seeks feedback and adapts behavior.
  • Confidentiality – Ability to maintain confidentiality of all Bank records and employee information.
  • Ability to prioritize tasks and meet required deadlines.
  • Strong organizational skills needed with the ability to multitask.
  • Accuracy and efficiency with attention to details.
  • Must have a valid driver’s license and be willing to travel to outlying branch areas, as business needs dictate.

Physical Demands:

  • While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms; and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and depth perception. 

        Work Environment:

  • The working environment is typical for an office and does not require exposure to difficult or hazardous conditions.

This Position Description reflects management’s assignment of major responsibilities, which represent the most essential functions.  It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements.  They may be subject to change at any time due to reasonable accommodation or other reasons.


Member FDIC

Job Type: Full Time
Job Location: Oakdale Plymouth

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