SBA Portfolio Manager IV

Description

The SBA Portfolio Manager IV position is responsible for effective credit and risk administration with particular emphasis on adherence to SBA Standard Operating Procedures contained in the most recent update. This role will work closely with the Citizens Bank credit policy, managing requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and as needed client support of pooled or individual portfolio. 

Responsibilities:

• The SBA Portfolio Manager IV is responsible for ensuring overall portfolio performance and asset quality remains strong and can independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. 
• Critical to the role is the maintenance of the SBA guarantee and adherence to procedures to maintain that guarantee. 
• Independently interact with Senior Management, Sales Team, Credit Products Manager, Credit Officer and/or MAD / CRM, to discuss and resolve risk related issues. 
• Perform reviews of financial data, make recommendations for approval of annual review/renewal and/or modifications. 
• Regularly perform reviews of the functions of the position with only periodic oversight and is expected to perform with general supervisory intervention. 
• Manager colleagues that manage credits above $3 million in the complex underwriting stream complete annual reviews/renewals and/or modifications for approval under Four Eyes approval authority. 
• Underwrite and recommend new money requests for approval to credit officers.

Qualifications:

• 5+ years of experience and exhibited competency in various aspects of commercial lending /portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices. 
•  5+ years direct SBA lending experience 
• Expected to have some level of credit and documentation experience.  
• Must be skilled in proposing, negotiating and recommending credit and covenant structures and must demonstrate practical and conceptual knowledge of credit and risk analysis. 

COMPETENCY AREAS: 

• General knowledge in financial modeling and able to structure credit in modeling environment. 
• Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to Bank.
• Superior understanding of industry nuances applicable to the credits contained within group’s portfolio. 
• Strong communication skills; and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.

Education, Certifications and/or Other Professional Credentials

• Bachelor's Degree required
• Master' Degree preferred
• Equivalent work experience may be considered as an alternative to formal degree program completion. 

Hours & Work Schedule

• Hours per Week: 40
• Work Schedule: M-F

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.