Plano 2 (31062), United States of America, Plano, Texas

SBA Servicing and Portfolio Manager

SUMMARY:

We're looking for a driven individual that combines great credit discipline with balanced decision making, excellent organization skills and customer focus to join our Small Business Lending team as a Small Business SBA Portfolio Manager. This  Small Business Portfolio Manager role focuses on portfolio review with a concentration on SBA.  The Portfolio Manager will underwrite and approve small business credit actions with Maximum Potential Exposure of up to $5 Million, and maintains up to $500,000 individual commercial loan authority for secured and unsecured loans. As an experienced member of a high performing team, the Portfolio Manager is expected to serve as a subject matter expert, helping pursue the SB Lending agenda with special projects, and coaching other individuals on the team by contributing to department training.

RESPONSIBILITIES:

• Handles all aspects of portfolio management in accordance with internal credit policy and SBA Standard Operating Procedures for the bank's SBA loan portfolio 

• Consults, mentors, and trains other associates on appropriate servicing responsibilities. 

• Performs portfolio management tasks including portfolio monitoring, past due collection activities, financial requirement collection, annual reviews, servicing actions, and communications with the SBA 

• Collaborates with legal, collections and special assets to develop effective risk management strategies for a variety of credit actions including loan modifications, Purchase Demand Kits, Offers in Compromise, Reinstatements, and Charge Off Requests

• Ensures accurate reporting to the SBA 

• Identifies risks proactively and delivers improvements to our Small Business policy, underwriting, and/or risk management capabilities

• Performs special project work as appropriate.

• Reviews SBA credit files for quality assurance in advance of audit and regulatory reviews

• Ensures appropriate application of all bank, SBA, and line of business policies and procedures; supporting and driving adherence to regulatory compliance requirements.

• Recommends credit actions for loans up to $5MM.

• Maintains up to $500,000 in commercial loan authority for secured and unsecured loans.

• Delivers a great overall customer experience working closely with all partners.

BASIC QUALIFICATIONS:

• At least 5 years of experience in one of the following: credit administration or loan underwriting or commercial lending

PREFERRED QUALIFICATIONS:

• Bachelor's Degree

• 2+ years experience with SBA lending

• Completion of a formal credit training or credit underwriting

AT THIS TIME, CAPITAL ONE WILL NOT SPONSOR A NEW APPLICANT FOR EMPLOYMENT AUTHORIZATION FOR THIS POSITION.

No agencies please. Capital One is an Equal Opportunity Employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex, race, color, age, national origin, religion, physical and mental disability, genetic information, marital status, sexual orientation, gender identity/assignment, citizenship, pregnancy or maternity, protected veteran status, or any other status prohibited by applicable national, federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City’s Fair Chance Act; Philadelphia’s Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

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