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Banesco USA · 2 days ago

SBA Portfolio Manager Team Lead

Miami, FL

Full-time

Hybrid

Senior Level, Lead/Staff

10+ years exp

Banesco USA is seeking an SBA Portfolio Manager Team Lead for their SBA Portfolio Managers business unit. The role involves developing credit policies, monitoring credit risks, and managing loan portfolios while ensuring compliance with regulatory requirements.

BankingFinancial Services

Responsibilities

Develop and maintain comprehensive credit policies and procedures aligned with the bank's risk appetite and regulatory requirements, specifically for SBA programs

Assist in the updating of credit policy and procedures related to SBA by drafting proposed changes, seeking consensus, and ultimately communicating any approved changes

Exercise prudent credit judgment through individual loan authority as approved by the Board of Directors

Monitor credit risk limits, concentration risk, and early warning indicators within the SBA portfolio

Evaluate, approve, or decline policy exceptions and modifications to existing loans, within individual loan authority

Monitor existing lending relationships assigned to the portfolio and complete annual, semi-annual, or quarterly reviews in a timely manner

Maintain oversight of all ongoing monitoring requirements including, but not limited to, payment status, insurance, and timely payment of real estate taxes within the bank’s loan portfolio

Validate and analyze reports such as Third-Party Site Visits, Financial Statements, Borrowing Base Certificates, Appraisals, etc., to verify compliance

Through ongoing portfolio management, detect early warning signs of deteriorating credit trends and recommend risk rating changes where applicable

Act as a liaison between the customer and other departments of the bank to ensure the deferments and/or modifications are processed in an efficient and timely manner

Prepare monthly Watch List comments and quarterly Adversely Classified Reports where applicable

Qualification

Credit analysisRisk managementPortfolio managementSBA loan programsFinancial softwareAnalytical skillsClient-centric skillsRegulationsLeadership skills

Required

Bachelor's degree in business, related field, or another acceptable alternative field required

Ten (10) years of progressive risk management experience in a diverse lending setting is required, with at least five (5) years in a senior leadership role of supervisory authority

Extensive knowledge of credit analysis, underwriting, and portfolio management

Proven track record of successfully managing credit risk in a banking environment

Strong analytical and problem-solving skills

Effective ability to lead and motivate a team

Advanced knowledge in financial software such as but not limited to nCino and Moody's

Advanced knowledge of structuring and underwriting commercial credits, including specialized lending

Strong client-centric skills, ensuring satisfaction of both internal and external customers

Strong understanding of banking regulations and risk management frameworks

Preferred

MBA or advanced degree is preferred

Experience in building/expanding national SBA 7a and Express loan programs, teams, and policies and designing/leading the execution of large-scale loan forgiveness processes (e.g., PPP) is highly desirable