SBA Loan Portfolio Manager

1 week ago

San Gabriel, California, United States CTBC Bank Full time

POSITION SUMMARY:

  • Oversee and uphold the standard loan portfolio operations, protocols, and practices within the designated team, encompassing credit risk, interest rate risk, liquidity risk, price risk, transaction risk, foreign exchange risk, compliance risk, strategic risk, and reputation risk.
  • Manage risk and pinpoint issues in SBA loan applications and credit processing to enhance revenue while ensuring safe and sound loans for profitability and growth.
  • Support the Team Leader in managing the credit and risk quality of the team's portfolio, including approving items, transactions, and requests in the Team Leader's absence, subject to proper delegation of authority.

ESSENTIAL FUNCTIONS:

Underwriting (60%):

  • Evaluate applicants' financial conditions, credit histories, and property assessments to ascertain the viability of loan approvals and prepare credit analyses for each transaction.
  • Underwrite various types of commercial loans by scrutinizing corporate and personal financials, conducting borrower and industry due diligence, completing AML/KYC processes, and drafting credit memos.
  • Examine loan packages and assess credit information, providing a thorough evaluation of applicants' creditworthiness.
  • Monitor diverse loan activities, track, and collect loan conditions, including financial statements, and conduct Credit Reviews.
  • Collaborate with underwriting, loan processing, appraisal, and relevant departments to provide assistance.

Portfolio Management (40%):

  • Supervise and sustain the overall loan portfolio operations, protocols, and practices to assist the Team Leader.
  • Collaborate with the Team Leader on specific initiatives, including portfolio assessments, updates to credit processes, and risk rating policies.
  • Review, analyze, and consolidate market, industry, and risk data to develop SBA loan portfolios within the specialized industry and segment.
  • Evaluate and review SBA loan portfolios, measurement indices, and provide insights within the specialized industry and segment.
  • Engage with origination and product specialists to review credit strategies and formulate proactive plans for all assigned portfolios.
  • Independently assess and evaluate risks within the segment, conduct risk selection, oversee individual loan risks, ensure quality loan approvals, and manage loan performance.
  • Identify and mitigate risks on more complex SBA loans by adhering to operational standard procedures, recognizing suspicious or inconsistent activities, notifying relevant parties, and taking appropriate actions.
  • Measure credit risks, conduct portfolio stress tests, and analyze collateral as applicable to loan structures and terms.
  • Facilitate loan terminations, ensuring comprehension, compliance, and completion among internal and external parties.
  • Lead remedial credit management and analysis of structured transactions.
  • Prepare regular reports and make suitable recommendations.
  • Assist the Team Leader in mentoring junior Loan Portfolio Officers in identifying problems, managing risks, and enhancing their skills.

OTHER RESPONSIBILITIES:

  • Complete all mandatory training related to Bank's and BSA compliance, as well as other laws and regulations, in a timely manner.
  • Perform additional duties as assigned.

Education, Experience, and Skills Required:

  • Bachelor's degree in Finance, Economics, or a related business field is preferred.
  • 8+ years of experience in handling SBA loans is preferred.
  • Proficient in analyzing, underwriting, and managing SBA loan portfolios.
  • Strong skills in credit and financial analysis, underwriting, sales, customer service, and communication.
  • Familiarity with commercial and industrial lending guidelines and regulations at both State and Federal levels.
  • Ability to analyze and consolidate data to develop SBA loan portfolio operations and implement practices.
  • Capability to independently negotiate substantial loan contracts and enhance asset quality.
  • Proficient in utilizing software programs for evaluating financial information and maintaining loan records.
  • Formal credit training and CFA or related certification is preferred.

PHYSICAL DEMANDS:

  • Ability to work in an office environment; sit for extended periods; operate office equipment, including a computer keyboard; and reach with hands and arms. Occasional walking, standing, and lifting of records and documents weighing 30 pounds or less may be required.

COMMUNICATION DEMANDS:

  • Attention to detail, strong organizational, communication, interpersonal, self-motivation, and analytical skills, with the ability to interact with all levels of management and staff.

WORK ENVIRONMENT:

  • Standard office environment with an average noise level. Hearing in the normal audio range, with or without correction, is required. Specific vision abilities include close vision and the ability to adjust focus.

Compensation:

The base pay range for this position is USD $65,000.00/Yr. - USD $125,000.00/Yr plus full benefits. The exact offer will be determined based on job-related knowledge, skills, experience, and location.

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