Senior Portfolio Manager - SBA

Fulton Bank • Neffsville, PA

46d

About The Position

Our values define us and our culture inspires us to change lives for the better. Our employees are the heart and soul of our company, and every success we experience begins with them. Together we are committed to making a positive impact in our local communities. We champion a culture of continuous learning, work-life integration, and inclusion. We promote a digitally enabled work environment to continuously enhance the experience of our employees and customers. Overview Responsible for enhancing Fulton Bank's ability to provide SBA guaranteed loans by minimizing credit and guaranty risk. In charge of making credit recommendations for line renewals and risk ratings, and ultimately responsible for the loan relationship strategy. Coordinate the management of troubled borrowers and supervise the SBA credit analysis process.

Requirements

• Bachelor's Degree or the equivalent experience.
• Specialty: finance, economics, business administration.
• 8 or more years knowledge of Commercial or Small Business Administration credit experience.
• FInancial alalysis/credit skills.

Nice To Haves

• 10 or more years banking experience.
• Knowledge of Small Business Administration standard operating procedures.
• Small Business Administration loan program experience.

Responsibilities

• Primary responsibility is to actively monitor the SBA portfolio quality of assigned commercial business credit relationships including gathering, analyzing, and underwriting all business and personal financial data collected for the purpose of extending, amending, reviewing and monitoring SBA commercial credit facilities for the most complex and high valued loans and maintain direct contact with clients in the management of these relationships.
• Provide credit management support to SBA Dept. RMs including Watchlist reporting, AQR packages, and loan review interaction. Expect to liaise between all parties to ensure timely and efficient analysis that meets the expectations of the Borrowers, Relationship Managers and Credit Officers.
• Support in the training and growth of less experienced SBA portfolio managers by reviewing credit and borrower servicing recommendations and coordinating meetings with PM staff, RMs, and borrowers.
• Assume primary responsibility as a liaison on more complex defaulted loan situations by coordinating collection efforts between Special Assets and the SBA while ensuring the Bank's actions comply with the Small Business Administration's Servicing and Liquidation Standard Operating Procedures to ensure preservation of the SBA guaranty and maximize the Banks's recovery efforts.
• Provide credit management support to team leader and maintain oversight to key portfolio activities.
• Take the lead in coordinating Bank's response to key elements of the Small Business Administration's risk-based reviews.
• Actively engage in the guaranty purchase process and reporting to the Small Business Administration.
• Monitor and assess the loan portfolio for performance trends.
• Review and update loan system information to ensure accuracy.
• Actively review and analyze loan data from the Small Business Administration's loan portal.
• This role may perform other job duties as assigned by the manager.
• Each employee of the Organization, regardless of position, is accountable for reading, understanding and acting on the contents of all Company-assigned and/or job related Compliance Programs, regulations and policies and procedures, as well as ensure that all Compliance Training assignments are completed by established due dates. This includes but is not limited to, understanding and identifying compliance risks impacting their department(s), ensuring compliance with applicable laws or regulations, and escalating compliance risks to the appropriate level of management.

Benefits

• This job is eligible to receive equity in the form of restricted stock units.
• This job is eligible to participate in a short-term incentive compensation plan subject to individual and company performance.
• This includes medical plans with prescription drug coverage; flexible spending account or health savings account depending on the medical plan chosen; dental and vision insurance; life insurance; 401(k) program with employer match and Employee Stock Purchase Plan; paid time off programs including holiday pay and paid volunteer time; disability insurance coverage and maternity and parental leave; adoption assistance; educational assistance and a robust wellness program with financial incentives.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level