Banesco USA · 1 day ago
SBA Portfolio Manager
Miami, FL
Full-time
Onsite
Entry, Mid Level
1+ years expBanesco USA is a part of Banesco International, a global financial institution with a presence in 14 countries. The SBA Portfolio Manager will be responsible for monitoring SBA loans, conducting annual reviews, and ensuring compliance with SBA regulations while collaborating with various stakeholders to manage and underwrite loan relationships.
BankingFinancial Services
Responsibilities
Ensures all assigned SBA loans 7(a) are monitored in strict accordance with the SBA Standard Operating Procedures (SOP 50 10) to maintain the integrity of the government guarantee
Conducts comprehensive annual reviews on SBA relationships, specifically analyzing debt service coverage ratios and verifying that use of proceeds and collateral requirements remain compliant with the original SBA authorization
Prepares and processes SBA servicing actions requiring lender or SBA approval (e.g., collateral subordination, release of guarantors, or changes in ownership) and submits necessary requests
Assists in gathering data for required reporting to ensure accurate status reporting on the SBA portfolio
Conducts and documents required SBA site visits to verify collateral and business operations, ensuring all visit reports meet SBA audit standards
Monitors existing lending relationships assigned to their portfolio and completes annual, semi-annual, or quarterly reviews as required in a timely manner
Prepares monthly Watch List comments and quarterly Adversely Classified Reports where applicable
Maintains oversight of all ongoing monitoring requirements and client deliverables as well as compliance with all terms of the loan agreement including (i) Financial Reporting and Covenant Tracking, (ii) Covenant Compliance, (iii) Collateral Monitoring and Borrowing Base Analysis, and (iv) all required third party reports, investigations, and due diligence
Validates and analyzes reports such as Financial Statements, Borrowing Base Certificates, Collateral Field Examinations, Appraisals, Engineering Reports, etc., to verify compliance
Actively works on tracking tickler requirements, post-closing items, and revisiting policy exceptions to determine current status
Reviews and clears financial exceptions and documentation exceptions, working with the Lenders and Lending Associate(s) to clear exceptions
Evaluates pertinent information to determine risk rating and whether a prospect and/or existing credit is an acceptable risk
Thorough ongoing portfolio management detects early warning signs of deteriorating credit trends and recommends risk rating changes where applicable
Escalates issues to appropriate levels and develops action plan with the Commercial Portfolio Manager Team Leader, Head of Corporate Banking, Special Assets, and Chief Credit Officer
Partners with the Loan Officers in structuring and underwriting new relationships as well as renewals, extensions, waivers, and/or modifications of existing loans
Determines relationship monitoring needs while working with the Loan Officer and Underwriters during the underwriting process
Prepares all required financial spreads and Executive Summary and uploads all packages for credit underwriting and approval
Reviews and analyzes all third-party reports and includes all pertinent information in Executive Summary
Acts as a liaison between the customer and other departments of the bank to ensure the renewals and/or modifications are processed in an efficient and timely manner
Works in conjunction with Loan Operations in maintaining all required insurance policies within appropriate coverage and are up-to-date by contacting borrower, insurance agent, or respective insurance company
Documents borrower’s file with quarterly call memorandums in connection with lines of credit and annual inspections of real estate loans
Maintains a close follow-up on past due payments and maturities to avoid any past dues over 30 days
Ensures financial information request letter and/or renewal letter is sent to the borrower in a timely manner
Monitors industry trends and analyzes specific industry trend area to identify potential areas of risk in the loan portfolio
Responsible for completing annual training program assigned
Performs other functions and/or duties as assigned
Qualification
Required
Bachelor's Degree required for consideration or the equivalent in experience
One (1) to three (3) years of experience in banking, preferably in Lending or Credit areas
Minimum of one (1) year of specific experience involving SBA 7(a) loan portfolio management, servicing, or credit analysis
Knowledge of overall Bank policies as well as credit policy and compliance regulations
Specifically requires working knowledge of SBA SOP 50 10 and related servicing requirements
Advanced computer skills including but not limited to proficiency in Microsoft Office (Word, Excel, Power Point, Moody's, nCino etc.)
Knowledge of related State and Federal banking compliance regulations and operational policies
Problem solving and analytical skills in order to identify problems and present them to the appropriate parties
Strong verbal and written communication skills, ability to communicate at all levels of the organization
Ability to multi-task, with strong organization, time-management, and prioritizing skills
Ability to work in a team environment, in order to ensuring compliance with department procedures
Strong attention to detail and accuracy
Strong customer service skills, ensuring satisfaction of both internal and external customers
Self-starter and independent worker
Adept at learning and using new technology
Ability to understand and comprehend instructions, procedures, and policies ensuring compliance with the Bank's policies and procedures
Preferred
Experience with SBA E-Tran and SBA One platforms is highly preferred
Benefits
Competitive salary plus variable compensation.
Paid Time-Off.
Tuition reimbursement.
Paid parental leave.
Medical, Dental, Vision
401k
Life Insurance
Supplemental Insurances
Short-Term & Long-Term Disability Benefits
Company
Banesco USA
With a proud legacy since 2006, Banesco USA is at the forefront of revolutionizing the banking landscape.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$11.91M2019-01-28Series Unknown· $11.91M
Leadership Team
Calixto (Cali) Garcia-Velez
President & Chief Executive Officer
Michel Vogel
Senior Vice President - Chief Credit Officer
Recent News
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