We are seeking an experienced SBA Portfolio Officer (Portfolio Management) to join our SBA Lending Team. This role is critical in supporting the bank’s SBA lending initiatives by performing in-depth credit analysis and credit risk assessment for the loans in the portfolio to meet the compliance with SBA guidelines and East West Bank’s credit policies. This position requires expertise in SBA loan programs (7(a), 504), cash flow analysis, evaluating financials statements, and understanding legal rights of Lender under the loan documents. The ideal candidate will have a strong background in commercial credit, understanding financial statements, and a proven track record of monitoring and managing loans in a portfolio.
Responsibilities Analyze financial statements, tax returns, and cash flow analysis for existing SBA loans.Monitoring credit risk based on financial statement analysis and covenant compliance.Perform in annual loan reviews to determine the appropriate risk rating of the portfolio.Prepare detailed credit memoranda with risk rating assessments and recommendations.Monitor borrower performance and help identify potential credit risks.Review tickler reports and follow up with borrowers to obtain outstanding financial conditions.Request for waivers with supporting documentations for financial conditions and / or covenant violations.Mail out letters requesting financials, notifying loan defaults, etc. for credit risk management.Support portfolio management and reporting activities.Ensure adherence to internal credit policies and regulatory requirements.Assist with problem loan reports to develop problem loan credit solutions. Qualifications 2-3+ years in commercial lending or loan portfolio management.Proven experience in financial analysis.Knowledge of SBA SOP 50-57 and SBA 50-10.Bachelor's degree in Business Administration, Finance, or a related field.Strong financial analysis, problem-solving skills, negotiation, and decision-making abilities.Excellent communication and interpersonal skills for sensitive borrower interactions and regulatory reporting.Ability to work independently and as part of a team. Compensation The base pay range for this position is USD $69,000.00/Yr. - USD $120,000.00/Yr. Exact offers will be determined based on job-related knowledge, skills, experience, and location. Options Apply for this job onlineApplyShareEmail this job to a friendRefer <p style="margin: 0px;"><span style="color: #54585a;">Sorry the Share function is not working properly at this moment. Please refresh the page and try again later.</span></p> Share on your newsfeedEast West Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other legally protected status. Reasonable accommodations for disability are provided to applicants and employees in accordance with applicable law. Application FAQs
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