SBA / COMMERCIAL PORTFOLIO MANAGER

Job Description

Job Title:                    SBA/ Commercial Portfolio Manager                        Last Updated: 10-2021

Department:              Lending

Reports to:                Commercial Banker

FLSA Status:             Exempt

Position Summary:

The primary purpose of this position is to support a portfolio of business (including, but not limited to, exceptions, maturities, renewals, past dues, charge-offs, collections) while soliciting and servicing prospective and current clients to produce a variety of loans and opening deposit accounts.

Essential Duties and Responsibilities Include the following:

• Manages a current portfolio or manages loans that will be directly assigned 
• Supports the growth and development of the assigned SBA/commercial lending loan portfolio by effectively managing client portfolios.
• Monitors portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner.
• Manages loan portfolio including, but not limited to, exceptions, maturities, renewals, past dues, charge-offs, collections etc.
• Interviews applicant and requests specified information for loan application
• Requests applicant credit reports, background checks, reference checks, and other information pertinent to loan applicant's evaluation
• Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan, prepares pre-flight loan presentations and/ or submits application to credit analyst for verification and recommendation
• Performs site visits for renewals and underwrites loan renewal presentations.
• Corresponds with or interviews applicant or creditors to resolve questions regarding application information
• Compiles loan package and assists Lender with loan structure, including fees, loan repayment options, and other credit terms
• Prepares assigned loan proposals to Directors Loan Committee
• Ensures loan documents collected, prior to sending to Loan Administration or to clear exceptions, are complete and accurate according to policy
• Assures timely loan closing and funding activities
• Maintains consistent and reliable communication with all third parties
• Builds and maintains a relationship with customers to ensure deposit as well as loan growth
• Possess SBA loan knowledge and experience 
• Assists with SBA Audits
• Assures loan files are in compliance with the SBA SOP
• Actively participates in preventing internal and external fraudulent activity to prevent losses
• Follows Texan Bank's goals, mission, vision, and values
• Works cooperatively with other areas of the bank to accomplish goals
• Understands and complies with all bank procedures, laws and federal regulations
• Completes all required and ongoing education and training
• Other duties as assigned

 All Bank employees are expected to recognize suspicious activity and are responsible for discussing unusual transactions, circumstances, behavior, or activity with supervisory personnel or BSA Officer.  All Bank employees are required to keep confidential any suspicious activity customers may exhibit.  Failure to abide by this requirement may result in monetary penalties assessed to the Bank and employee, up to and including termination.

Competencies:

To perform this job successfully, an individual must exhibit the following competencies in the performance of the essential duties and responsibilities of the job.

Competency                Description

Business Ethics            Treats people with respect. Keeps commitments. Inspires the trust of others. Works with  integrity and ethically. Upholds organizational values.

Customer Service         Displays courtesy and sensitivity. Manages difficult or emotional customer situations. Meets commitments. Responds promptly to customer

                                      needs. Solicits customer feedback to improve service. 

Quality                         Demonstrates accuracy and thoroughness. Displays commitment to excellence. Looks for ways to improve and promote quality. Applies feedback

                                    to improve performance. Monitors own work to ensure quality.

Quantity                       Meets productivity standards. Completes work in timely manner. Strives to increase productivity. Works quickly. Achieves established goals.

Teamwork                   Balances team and individual responsibilities. Exhibits objectivity and openness to others' views. Gives and welcomes feedback. Contributes to

                                   building a positive team spirit. Puts success of team above own interests. 

Job Knowledge             Competent in required job skills and knowledge. Exhibits ability to learn and apply new skills. Keeps abreast of current developments. Requires

                                      minimal supervision. Displays an understanding of how job relates to others. Uses resources effectively.

Supervisory Responsibilities:            Not Applicable

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The recommendations listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

Finance or related bachelor's degree from four-year college or university.

Experience:

2 years related experience in CRE Lending. SBA SOP knowledge and formal credit training preferred.

Language Ability:

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulation. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Math Ability:

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages. 

Reasoning Ability:

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

Computer Skills:

Microsoft Office (Word, Excel, PowerPoint, Outlook), Internet Explorer 

Certificates and Licenses:

If the employee is required to give the rate and term of mortgage loans then they are required to register with the National Mortgage License System (NMLS), This number must be provided to the bank.

Physical Demands: 

            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.

• The physical demands typically found in an office environment.
• Not required to lift more than 25 lbs.

Work Conditions:

            The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The characteristics typically found in a normal office environment.

Note: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.