Arizona Financial Credit Union · 2 months ago
SBA Portfolio Manager
Phoenix,AZ,US
Full-time
Hybrid
Mid Level
3+ years expArizona Financial Credit Union is seeking an SBA Portfolio Manager to manage a delegated portfolio of SBA 504, 7a, and USDA loans. The role involves analyzing credit quality, minimizing risk, and maintaining relationships with members while ensuring compliance with SBA regulations.
BankingFinanceFinancial Services
Responsibilities
Effectively manages a portfolio of SBA and USDA loans while proactively engaging internal business partners to identify, solicit, and close cross-sell opportunities
Supports the SBA Business Development Officer by gathering all necessary documentation from members or prospects to facilitate the underwriting of credit requests
Assists in monitoring the loan portfolio, including but not limited to tracking financials, managing maturing notes, and performing annual reviews
Builds and maintains long-term, trusted relationships with members to support business growth and retention
Oversees and resolves documentation exceptions including but not limited to missing tax returns, financial statements, and insurance requirements
Monitors past-due payments, identifies early warning signs of credit deterioration, and escalates concerns as appropriate
Maintains compliance with SBA SOP, SBA Loan Servicing and Liquidation Procedures, and SBA Servicing and Liquidation Actions 7a matrix for all loan modification requests
Conducts all business activities in accordance with credit union policies, procedures, and applicable federal and state regulations
Collaborates with business development officer, processor/closer, servicer and member(s) to obtain the necessary documents to analyze and obtain approval for a credit request including but not limited to collateral releases, deferments, annual reviews, maturing notes, etc
Attends meetings with SBA Business Development Officers and existing or prospective members to support relationship management and deal execution
Engages with commercial/SBA lending teams, industry specialists, and other stakeholders to exchange insights and foster alignment
Evaluates and obtains approval for draw requests, ensuring all required documentation is submitted and acceptable, per credit union and SBA policy guidelines
Performs additional responsibilities as needed to support the SBA lending function and broader organizational goals
Qualification
Required
High school diploma or GED and, three (3)+ years' of SBA experience in commercial loan underwriting, financial analysis or portfolio management
Strong knowledge base about conventional, SBA 7(a) and SBA 504 loan programs, policies and procedures
Proficient knowledge of SBA loan servicing and liquidation SOP, and Servicing and Liquidation Matrix
Ability to identify and voice issues
Professional written, verbal communication, problem solving, and advanced interpersonal skills
Ability to produce quality work within tight time frames while managing multiple assignments
Exceptional attention to detail
Ability to navigate core processing systems (JHA) and department specific processing systems (Sageworks)
Strong analytical and problem-solving skills
Strong work ethic, the ability to prioritize and adapt to changing deadlines
Excellent communication, and the desire to work as a team to support the overall success of the credit union
Strong knowledge of Microsoft Office products including but not limited to Word, Excel, and Teams
Preferred
Four (4) year college degree in business, finance, accounting or related field
Company
Arizona Financial Credit Union
Arizona Financial Credit Union is a not-for-profit financial cooperative that provides consumer and small-business banking services.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Amy Hysell
President & CEO
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