SBA Portfolio Management Team Lead
Apply NowCompany: BayFirst National Bank
Location: Saint Petersburg, FL 33710
Description:
BayFirst National Bank is a full-service community bank as well as a national SBA Lender dedicated to providing a wide range of high-quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve.
Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.
Responsibilities include but are not limited to:
The SBA Portfolio Manager Team Lead is responsible for the management of a portfolio of SBA loans including government guaranteed and conventional loans. This position is expected to build a trusted, competent, and positive working relationship with each client in their portfolio. The position also serves as a mentor and supervisor for the rest of the portfolio management team.
Essential Duties and Responsibilities:
Qualifications:
BayFirst National Bank believes that diversity and inclusivity are essential to positive long-term success and achieving our strategic business goals. We are proud to be an Equal Opportunity Employer, and we encourage diverse and talented applicants to apply. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
#LI-SN1
Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.
Responsibilities include but are not limited to:
The SBA Portfolio Manager Team Lead is responsible for the management of a portfolio of SBA loans including government guaranteed and conventional loans. This position is expected to build a trusted, competent, and positive working relationship with each client in their portfolio. The position also serves as a mentor and supervisor for the rest of the portfolio management team.
Essential Duties and Responsibilities:
- Responsible for monitoring existing SBA loan portfolio to ensure it is performing adequately. Serves as first line of defense for loans that are exhibiting deteriorating credit quality. Refer deteriorating loans to special assets as appropriate.
- Process all necessary SBA loan servicing requests, ensuring that they meet all the required SOP loan servicing requirements.
- Perform annual reviews on all SBA loans greater than $350k. Meet with each customer during their annual loan review via phone to check in, determine if needs have changed, and make recommendations to meet the needs of the borrower.
- In addition to the annual review, make outbound calls at least once a year to check in with borrowers and determine if additional lending is needed to meet customer's business needs.
- Manage a team of SBA Portfolio Specialists that is responsible for monitoring and mining the SBA small loan portfolio.
- Serve in a Team Lead capacity for the entire Portfolio Management staff.
- Prepare delinquent loan status report and deferment requests as needed. Document them in the borrower's loan folder.
- Document all communications with borrowers in the borrower's loan folder.
- Miscellaneous duties as assigned.
Qualifications:
- Minimum of 3 years' experience in credit analysis/portfolio management in a commercial lending environment
- Working knowledge of SBA regulations, eligibility requirements and loan application process
- Must have excellent verbal and written communication skills
- Exercises independent judgment on client relationship credit analysis and takes appropriate resulting action
- Thorough understanding of banking services
- Strong understanding of the commercial underwriting process
- Basic analytical and financial analysis skills
- Excellent interpersonal skills
- Excellent quality customer service skills and the ability to establish relationships in a manner that enhances the overall marketing efforts of the Bank
- Self-motivated individual with a positive, can-do attitude
- Ability to work independently and with others on a team
- Ability to multi-task and handle multiple projects
- Excellent time management skills
- Strong persuasive and negotiation skills
- Demonstrated ability to work in a fast-paced, high volume work environment
- Ability to adapt to change
BayFirst National Bank believes that diversity and inclusivity are essential to positive long-term success and achieving our strategic business goals. We are proud to be an Equal Opportunity Employer, and we encourage diverse and talented applicants to apply. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
#LI-SN1