POSITION OVERVIEW

The SBA Portfolio Officer is an integral part of the SBA team and US Metro Bank. This position requires sound credit and analytical skills and judgment, and effective writing and communication skills. The SBA Portfolio will be responsible for post-funding monitoring of SBA loan portfolio risks.

POSITION RESPONSIBILITIES

• Monitor and follow up upcoming ticklers to clear up tickler items in a timely manner.
• Analyze and spread financial statements and tax returns and evaluate debt service capacity for annual review, substitute/release collateral, loan modification in accordance with credit policy and SBA Standard Operating Procedure (SOP) requirements in a timely manner and submit to loan administration for approval.
• Analyze credit risks and identify mitigants, recommend and justify credit risk grades.
• Identify areas of concern pertaining to the existing loans and discuss with loan administration.
• Assist SBA Lending Group in solving problems regarding commercial and SBA Loan Credit issues.
• Any other duties as assigned.
• Complies fully with all Bank policies and procedures as well as all regulatory requirements (e.g. Bank Secrecy Act, Anti-Money Laundering, Code of Conduct, and etc.). Must complete all required training.

SKILLS / QUALIFICATIONS

• Strong PC skills in Word, Excel, and CASH Suite preferred.
• Well-organized, analytical and capable of performing multiple tasks.
• Excellent written and verbal communication skills to interact with the public and all levels of personnel in a professional manner.
• Exercise sound judgment when reporting and prioritizing loan activity.
• Ability to read and write using advanced banking and loan related terminology.
• Ability to operate a basic financial calculator to perform loan payments, rate, and terms.
• Thorough understanding of SBA and commercial loan underwriting guidelines, documentation, loan structuring and analysis.
• In-depth knowledge of SBA/commercial lending, loan origination procedures and the Bank’s lending policy and procedures.

EDUCATION / EXPERIENCE

• Minimum of 3 – 5 years of successful SBA loan credit analysis, preferably in a community/regional Bank institution.
• Any industry related certifications preferred.
• Bachelor’s Degree in related fields of business or financing or equivalent experience is preferred.

The salary range for this full-time position is $65,000 - $95,000.

Salary ranges are determined based on qualifications, level, and location. Exact compensation may vary based on your skills and experience.

US Metro Bank is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.