Credit Management - Sba Portfolio Manager

It starts with our culture ...

Common sense has never been common.

If it were, the world would be a different place. Things would run smoothly and on time. People would do what they say and say what they do. Everything would be fair, without all the small talk. And banks would only sell you what you need. When a banker looked at a client, they wouldn't just see a number, they'd see a dad or a mom or a graduate or a business owner. Our Bankers understand the complexities of people's lives and offer simple solutions.

That's the basics of Relationships. Fairness. Simplicity. When you choose our Company, you have an opportunity to make an impact beyond the walls of our buildings.

We have a long-standing commitment to Equity, Diversity and Inclusion. Through our banking relationships, investing, grants, and volunteerism, NBH Bank promotes the growth, revitalization and sustainability of the communities we serve. We believe that these are important elements in building and sustaining a successful organization and a positive, results-driven culture. We strive for all of our associates to feel welcome and empowered at work.

This type of position is ideal for someone looking to build a career in finance. We will provide you training and coaching throughout your onboarding experience, as well as on the job. As you demonstrate success, there will be opportunities for advancement within our organization.

As a SBA Portfolio Manager, you will ensure the overall credit quality of the SBA Portfolio throughout the NBH footprint, including fully secured and under-secured originated transactions in multiple channels within the Bank. Facilities to include SBA Express, 7a Small Loans, 7a Standard Loans, 504 transactions, CAPLine and other SBA and USDA Products.

Manage the existing portfolio of clients and monitor client relationships for internal and external regulation and compliance requirements. These include but are not limited to: NBH Credit Policy and Underwriting Guidelines, NBH SBA Credit Policy and Underwriting Guidelines, SBA SOP 50 10 7 (Origination Manual), SBA SOP 50 57 3 (Servicing Manual), Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Federal and State laws related to safety and soundness, consumer protections and privacy, etc.

Complete annual reviews and quarterly reports for all relationships in the portfolio in accordance with internal policy requirements. Underwrite routine and complex servicing actions, including financial spreads and analysis, for SBA relationships in accordance with SBA requirements as outlined in the SBA Servicing Manual.

Monitor and track past due reporting requirements, financial covenants and documentary ticklers. Monitor the SBA Portfolio risk ratings for continuous accuracy and timely adjustments within the SBA Portfolio in accordance with Bank Risk Rating Policy

Pull reports from SBA Lender Portal and monitor Bank portfolio, including Bank PARRIS Score trends and concern monitoring and Client SBPS scores for changes to risk profile.

Ideal candidates will have experience with SBA products and requirements, including SBA SOP and Product knowledge.

Minimum Requirements:

High school diploma or equivalent.

Bachelor's degree in Finance, Accounting, Economics or related field or possess equivalent combination of education and experience.

5 years of relevant experience in business and/or commercial banking, preferably with SBA products.

Capacity to work with multiple computer and software systems including Microsoft Office and web based applications.

Desired Skills: Ideal candidates for this position should possess some or all of the following skills and attributes:

SBA Lending knowledge, including eligibility requirements, underwriting rules and guidelines and product specifics.

Completed formal credit training program or equivalent.

Capacity to work with Bank centered computer and software systems, such as FIS, Moody's CreditLens, and Capitalstream.

Ability to think logically and analyze complex business financials to perform risk assessment.

Passionate and motivated self-starter.

Strong work ethic and ability to complete work accurately and efficiently.

Ability to think logically in order to analyze situations and make sound credit decisions.

Strong oral and written communication skills with the ability to clearly and concisely articulate issues.

Ability to handle multiple tasks simultaneously.

Work with and through others, building and maintaining relationships.

Operate as an effective communicator, who is able to stimulate and motivate others while being aware of and responsive to their needs and concerns.

Detail work is a major focus of the job, and those details need to be handled quickly, correctly, and efficiently and working within established guidelines.

Work Environment:

We are a culture that believes that people are our greatest asset and are at the heart of everything we do. We take pride in bringing clarity and simplicity to our associates (employees) and clients. Our decisions are made efficiently, fairly and locally. Our success is directly tied to the communities we serve. It is equally important for us to look

through the lens of our applicants and associates to identify their individual needs. As such, we want to share the following:

We are committed to our core value of meritocracy and supporting our associates in growing within their role

When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.

An associate must be able to work overtime to the extent necessary (typically no more than 5%).

Flexible scheduling with an opportunity to work remotely as business needs allow.