Stone Bank · 1 month ago
SBA Senior Relationship Manager
United States
Full-time
Remote
Senior Level
3+ years expStone Bank is a financial institution seeking a Senior Relationship Manager for their SBA lending division. The role involves managing a portfolio of SBA loans, ensuring compliance with servicing requirements, and building relationships with borrowers and various stakeholders.
Banking
Responsibilities
Monitors past due loans to collect timely payments and ensure site visits are completed as required
Collects and analyzes business and personal financial statements, lien searches and third-party reports to assess repayment ability, credit quality, and collateral value/position
Performs annual reviews per Bank and SOP requirements
Handles portfolio servicing requests, deferments, payment modifications, etc
Responsible for write-up and presentation of requests requiring Sr. Management approval
Prepares payoff requests, submits 10-day notification to FTA, and verifies Loan List/FTA balance
Manages and monitors non-performing assets to ensure timely liquidation, as instructed by legal officers
Assists with document exceptions, ticklers and insurance for SBA portfolio
Tracks and coordinates payment of collection expenses and legal fees as needed
Prepares and presents loan portfolio status updates and reports as required
Facilitates the purchase of the guaranteed portion of sold loans from the secondary market. Works with Legal Officer to determine if repurchase will be completed by SBA or Bank
Notifies SBA or FTA, via CAFS, of actions requiring SBA or secondary market prior approval on watch list or liquidation status loans
Makes recommendation for restructure or liquidation plan for presentation to Servicing & Liquidation Manager and Legal Officer. With approval, negotiates workout solutions in accordance with the SBA and established Bank policies to minimize risk and maximize recovery. Coordinates with legal and accounting departments, as necessary, to ensure compliance of negotiated workout agreements
Prepares and submits Purchase Demand Kits, CPC tabs, Wrap Up reports, Offers in Compromise and other required documentation to SBA. Communicates directly with SBA as needed throughout
Works with the Accounting Dept. on monthly 1502 reporting or FTA reconciliations, as needed
Performs other related duties as required
Qualification
Required
Extensive knowledge of SBA SOP servicing requirements and procedures
Ability to monitor a portfolio of active, watch and defaulted SBA loans
Handle all aspects of SBA servicing post-closing through pay off or liquidation/charge off with SBA
Maintain and present monthly status reports to senior bank managements
SBA SAR reporting
Assist/mentor Relationship Manager(s) with intensive servicing/liquidation
Communicate directly and build relationships with SBA borrowers
Work with SBA personnel, attorneys, and third-party vendors
Ensure compliance with policies and procedures provided by the Bank and SBA
Monitors past due loans to collect timely payments and ensure site visits are completed as required
Collects and analyzes business and personal financial statements, lien searches and third-party reports to assess repayment ability, credit quality, and collateral value/position
Performs annual reviews per Bank and SOP requirements
Handles portfolio servicing requests, deferments, payment modifications, etc
Responsible for write-up and presentation of requests requiring Sr. Management approval
Prepares payoff requests, submits 10-day notification to FTA, and verifies Loan List/FTA balance
Manages and monitors non-performing assets to ensure timely liquidation, as instructed by legal officers
Assists with document exceptions, ticklers and insurance for SBA portfolio
Tracks and coordinates payment of collection expenses and legal fees as needed
Prepares and presents loan portfolio status updates and reports as required
Facilitates the purchase of the guaranteed portion of sold loans from the secondary market
Notifies SBA or FTA, via CAFS, of actions requiring SBA or secondary market prior approval on watch list or liquidation status loans
Makes recommendation for restructure or liquidation plan for presentation to Servicing & Liquidation Manager and Legal Officer
With approval, negotiates workout solutions in accordance with the SBA and established Bank policies to minimize risk and maximize recovery
Coordinates with legal and accounting departments, as necessary, to ensure compliance of negotiated workout agreements
Prepares and submits Purchase Demand Kits, CPC tabs, Wrap Up reports, Offers in Compromise and other required documentation to SBA
Communicates directly with SBA as needed throughout
Works with the Accounting Dept. on monthly 1502 reporting or FTA reconciliations, as needed
Performs other related duties as required
Strong written and verbal communication skills
Analytical, critical thinking and problem-solving skills
Proficiency in applications such as MS Excel, MS Word and MS Outlook
Highly motivated individual who can think strategically, operate independently, and take accountability
Ability to motivate, influence and collaborate with others both internally and externally
Ability to multi-task in a fast-paced environment and prioritize duties
Preferred
Financials analysis or prior credit training/experience preferred
Prior SBA loan workout and liquidation experience
3+ years' direct experience with SBA Workouts, Purchase Demand Kits, CPC tabs, Wrap Up reports, Offers in Compromise preferred
Company
Stone Bank
A Rock Solid Banking Experience for Entrepreneurs, Small Businesses and Farmers.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Nick Roach
Chief Executive Officer and President
Ben Wilburn
Market President
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