FFB Bank

Manager

• The SBA Portfolio Manager oversees the servicing, risk management, and resolution of the Bank’s SBA and government-guaranteed loan portfolio.
• This role combines proactive portfolio monitoring, customer servicing, credit analysis, and problem loan support to ensure compliance with SBA SOPs, Bank policies, and regulatory requirements while mitigating risk and maximizing recovery.
• Manages an assigned SBA and government-guaranteed loan portfolio, ensuring compliance with SBA SOPs, Bank policies, and regulatory requirements.
• Monitors loan performance, payment activity, covenants, insurance, flood certifications, UCC filings, and other ongoing servicing requirements.
• Processes customer servicing requests including disbursements, deferments, extensions, assumptions, collateral changes, subordinations, re-amortizations, and payoffs.
• Prepares, reviews, and coordinates SBA servicing documentation with customers and internal teams; ensures accurate loan boarding, conducts post-closing file reviews, and maintains complete post-closing records.
• Collects and analyzes borrower financial information to assess ongoing credit quality, covenant compliance, and early warning indicators.
• Evaluates credit risk trends and recommends appropriate credit actions, including risk rating changes and adverse action when warranted.
• Prepares credit memorandums, summary reports, and underwriting documentation to support annual reviews, modifications, or credit decisions.
• Collaborates with Credit and Special Assets teams to manage criticized or classified assets and support workout strategies.
• Prepares Transfer Memos for the Special Assets Team to support SBA loan workout, default, and liquidation processes.
• Prepares and submits SBA Uniform Purchase Packages (UPP) and responds to SBA requests for additional documentation.
• Engages internal legal counsel, SBA offices, CDCs, and external partners to support liquidation and recovery efforts.
• Tracks and manages liquidation timelines, recoveries, guaranty payments, and related reporting requirements.
• Prepares and submits accurate SBA reports and required portfolio monitoring reports in accordance with program guidelines.
• Conducts quarterly portfolio monitoring and reconciles guaranty payments or reporting discrepancies with the SBA.
• Maintains complete and accurate servicing logs, ticklers, and loan documentation in accordance with record retention standards.
• Supports internal and external SBA audits by compiling required documentation and responding to audit requests.
• Stays current on SBA regulatory changes and communicates updates to internal stakeholders.
• Acts as a liaison between internal departments including Lending, Credit, Compliance, Legal, and Operations.
• Partners with loan officers and analysts to support complex servicing and credit matters.
• Assists with the development and maintenance of SBA servicing procedures and manuals.
• Provides guidance and cross-training to team members on SBA servicing and portfolio management best practices.
• Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making.
• Completes administrative tasks with a sense of urgency, including required Bank Compliance Training.
• Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner.
• Positively represents the Bank through ethical conduct and community involvement.
• Demonstrates an understanding of and commitment to EEO policies.
• Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
• Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
• Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment.